Open AccessKinerja Pembiayaan UMKM Terhadap Profitabilitas Bank Umum Syariah di Indonesia
Author(s) -
Marwah Nur Al-Zauqi,
Iwan Setiawan
Publication year - 2020
Publication title -
journal of applied islamic economics and finance
Language(s) - English
Resource type - Journals
ISSN - 2746-6213
DOI - 10.35313/jaief.v1i1.2399
Subject(s) - capital adequacy ratio , return on assets , business , statistic , asset (computer security) , financial system , finance , economics , profitability index , mathematics , statistics , computer science , profit (economics) , computer security , microeconomics
This study aims to determine how MSME financing and Capital Adequacy affect the profits of Islamic commercial banks. This study uses a quantitative approach that analyze secondary data from statistic of Islamic Bank in Indonesia period 2016-2019. The analysis used multiple linear regression analysis methods. Data processing uses eviews program. The results of this study indicate that MSME financing has a significant positive effect on Return on Asset. Capital Adequacy Ratio has a significant positive effect on Return on Asset. MSME financing and Capital Adequacy Ratio has a simultant effect to Return on Asset. The results of this study are expected to be a material consideration for Islamic commercial banks in providing MSME financing and maintaining capital adequacy.