Pengaruh Biaya Operasional Pendapatan Operasional, NonPerforming Financing, Pembiayaan Bagi Hasil, Dan Net Imbalan Terhadap Laba Bersih

(Studi Pada Bank Muamalat Indonesia Periode 2012-2021)

Abstract

The purpose of this study is to analyze and examine the effect of Operational Cost Opearting Income (BOPO), non performing financing, profit sharing financing, and net profits to the Bank Muamalat Indonesia’s net profit for the last 10 years (2012-2021) either partially or simultaneously. This research data uses secondary data in the form of quarterly financial reports of Bank Muamalat Indonesia with sample size  40 period. This type of research is quantitative using an associative approach. The method used in this study is multiple linear regression analysis with net income as the dependent variable, and BOPO, NPF, PBH, and NI as independent variables. The results of this study indicate that Non-Performing Financing (NPF) and Profit-Sharing Financing (PBH) partially have no significant effect on net income, but the variables of Operational Income Operating Costs (BOPO) and Net balance (NI) have a significant effect on Bank Muamalat Indonesia's net income. Based on the coefficient of determination's analysis, BOPO NPF PBH and NI are 86.8% simultaneously effected to the net income.