Last modified: 2024-02-01
Abstract
The distribution of financing by banks to the public is used to help launch planned businesses/investments both individually and institutionally. Increased profit growth shows that the bank's ability to earn profits is good and can lead to success in managing its finances. This research aims to determine the role of financing on profitability with non-performing financing (NPF) as a moderating variable in the BRI Syariah period 2018-2020 period. This research uses a quantitative approach with moderated regression. The population in this research is BRI Syariah for the 2018 – 2020 period, with 36 data. The sampling technique was purposive sampling sourced from BRI Syariah's monthly financial reports. The data collection technique used was documentation using secondary data obtained through the official BRI Syariah website and the Financial Services Authority. The research results show that Murabahah financing affects profitability. Mudharabah financing does not affect profitability. Musyarakah financing affects profitability. NPF moderates Murabahah financing on profitability. NPF does not moderate Mudharabah financing on profitability. NPF moderates Musyarakah financing on profitability
Keywords: Financing, Profitability, and Non-Performing Financing, BRI Syariah