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Journal articles on the topic 'Bank profit'

Author: Grafiati

Published: 4 June 2021

Last updated: 26 July 2025

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1

Muthoifin, Nabila Firdaus, Sukisno, et al. "Profit-Sharing Practices to Increase Profits and Development of Indonesian Sharia Banking." Revista de Gestão Social e Ambiental 18, no. 6 (2024): e05687. http://dx.doi.org/10.24857/rgsa.v18n6-005.

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Objective: The purpose to be achieved in this writing is to achieve what are the factors of grants in Islamic banks regulated by law and also to study how the performance of Islamic banks in the profit-sharing system is carried out according to the views of existing Islamic law. The performance in question is not only financial performance that will be measured and researched but also a performance by measuring profit or profit and will analyze profit but also measured sharia maqasid so that the bank has management performance by the operational conditions of Islamic banks that will use Islami

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2

Muthoifin, Nabila Firdaus, Sukisno, et al. "Profit-Sharing Practices To Increase Profits And Development of Indonesian Sharia Banking." Journal of Law and Sustainable Development 12, no. 1 (2024): e2816. http://dx.doi.org/10.55908/sdgs.v12i1.2816.

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Objective: The purpose to be achieved in this writing is to achieve what are the factors of grants in Islamic banks regulated by law and also to study how the performance of Islamic banks in the profit-sharing system is carried out according to the views of existing Islamic law. The performance in question is not only financial performance that will be measured and researched but also a performance by measuring profit or profit and will analyze profit but also measured sharia maqasid so that the bank has management performance by the operational conditions of Islamic banks that will use Islami

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3

Setyawati, Irma, and Beureukat Beureukat. "Penentu Profitabilitas Bank Syariah: Kajian Nisbah Bagi Hasil dan Murabahah." Jurnal Kajian Ilmiah 23, no. 2 (2024): 203–12. http://dx.doi.org/10.31599/mrjbrp98.

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The purpose of this research is to analyze how the profit sharing ratio and profit margin in murabaha can affect the return on assets of Islamic banks in Indonesia. The method used in this research is quantitative descriptive, the data used is secondary data by taking data from Islamic bank financial reports for the period 2019 – 2021. The population of Islamic banks is 14 banks, then data is taken from 3 banks using a purposive sampling technique. In this study it was found that profit sharing ratios and profit margins in murabahah transactions are important in increasing the profitability of

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Siddiq, Fajar. "QUALITY OF MUDHARABAH AND MURABAHAH FINANCING TO INCREASE BANK MANDIRI SYARIAH'S PROFITS." Journal of Sharia Banking 5, no. 1 (2024): 11–22. http://dx.doi.org/10.24952/jsb.v5i1.10075.

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The quality of mudharabah and murabahah financing to increase Bank Mandiri Syariah's profits is an important study to explore. The aim of the research is to determine the development of mudharabah and murabahah financing products at Mandiri Syariah Banks, to determine and analyze profit growth at Mandiri Syariah Banks, and to describe the role of profit sharing and buying and selling agreements in increasing profits at Syariah Banks. This type of research is quantitative descriptive research. Quantitative descriptive research explains the position of the variables studied and the relationship

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Hidayati, Nur, and Yeni Purwitosari. "PENGARUH TINGKAT KESEHATAN BANK TERHADAP PERTUMBUHAN LABA." Jurnal Ilmu Manajemen (JIMMU) 5, no. 1 (2020): 68. http://dx.doi.org/10.33474/jimmu.v5i1.6725.

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The profit growth can be used as a measure of achievement of a bank in the assessment of bank performance. This can be achieved if the level of health of banks consisting Capital Adequacy Ratio, Assets Quality, Net Interest Margin, Return on Assets, Loan to Deposit Ratio and Interest Risk Ratio in accordance with the standards set by the government. For this study aims to assess how the influence of the bank to profit growth, particularly private banks non-foreign national 2013-2014 period amounting to 23 banks. By using hypothesis testing found that the Return On Asset and Loan to Deposit Rat

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Sila, M. Adlin. "BANK SYARIAH SEBAGAI BANK BAGI HASIL:." Dialog 32, no. 1 (2017): 30–51. http://dx.doi.org/10.47655/dialog.v32i1.124.

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Islamic banking has the same purpose as conventional banking except that it operates in accordance with the rules of Syariah. The basic principle of Islamic banking is the sharing of profit and loss and the prohibition of riba (usury). Amongst the common Islamic concepts used in Islamic banking are profit sharing (Mudharabah), safekeeping (Wadiah), joint venture (Musharakah), cost plus (Murabahah), and leasing (Ijarah). Mudarabah is an arrangement or agreement between a capital provider (mudharib) and an entrepreneur, whereby the entrepreneur can mobilize funds for its business activity. Any p

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ZENGİN, Bekir, and Furkan KAYHAN. "BİST BANKA ENDEKSİNDEKİ ŞİRKETLERİN MADDİ OLMAYAN DURAN VARLIKLARI İLE NET KÂR İLİŞKİSİNİN KUKLA DEĞİŞKEN KULLANILARAK İNCELENMESİ." Niğde Ömer Halisdemir Üniversitesi Sosyal Bilimler Enstitüsü Dergisi 5, no. 2 (2023): 101–12. http://dx.doi.org/10.56574/nohusosbil.1302125.

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This study aims to investigate the relationship between intangible assets and net profit of banks listed on the Borsa Istanbul (BIST) Bank Index (XBANK) through a dummy variable. The data of 10 banks included in the Bank Index from 2007 to 2022 was examined for this purpose using the panel data approach. According to the findings, assets variable and participation bank dummy variable are significant in explaining net profit, while intangible assets variable and development and investment bank dummy variable are meaningless. Intangible assets positively increase net profit, but when individual

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Lutfiyah, Lutfiyah, Nazih Sadatul Kahfi Nazih, Nilal Muna Fatmawati, Muhammad Abdul Rahman Hakim, and Muhyar Fanani. "Analysis of Comparative Fiqh: Conventional Bank Versus Islamic Bank." Ulumuddin: Jurnal Ilmu-ilmu Keislaman 14, no. 2 (2024): 195–214. https://doi.org/10.47200/ulumuddin.v14i2.2600.

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What happens in the community about the concept of bank interest and profit sharing there are different perspectives. Bank interest is often regarded as usury in Islam, as it is contrary to Sharia principles. In contrast, the profit-sharing system in Islamic banks is seen as fairer because it is in accordance with Islamic teachings. Understanding the difference between conventional bank interest and the mudharabah system in fiqh law is very important in the context of justice in Islam. So, the focus of this research is the analysis of the interest system in conventional banks and profit sharin

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9

Hartomo, Prasetiyo. "Analisis Peran Laba Pembiayaan (Akad Mudharabah dan Musyarakah) Terhadap Profitabilitas Bank Syariah Indonesia: Studi Banding dengan Profitabilitas Bank Konvensional KBMI III Periode 2021-2023." ECOMA: Journal of Economics and Management 2, no. 2 (2024): 58–70. http://dx.doi.org/10.70716/ecoma.v2i2.40.

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This research aims to analyze the effect of mudharabah and musyarakah financing profits on BSI Bank profitability as well as a comparative study of the profitability of KBMI III Conventional Banks for the 2021-2023 period. The sample in this study used a proportionate stratified random sampling technique which took profit data on mudharabah and musyarakah financing at Bank Syariah Indonesia and profitability data (ROA) at Bank Syariah Indonesia, Bank BTN, Bank Permata and Bank CIMB Niaga for the 2021-2023 period. The analytical tool used is multiple linear regression analysis using the SPSS V2

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., Mahipal, Abdul Manan, Fauzi Yusuf Hasibuan, and Ramlani Lina Sinaulan. "Peluang dan Tantangan Pengelolaan Perbankan Syariah serta Urgensi Keberadaan Dewan Pengawas Syariah di Indonesia." PALAR | PAKUAN LAW REVIEW 8, no. 1 (2022): 309–30. http://dx.doi.org/10.33751/palar.v8i1.4846.

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ABSTRAK Tujuan Penelitian ini ialah untuk menjelaskan Perbankan syariah adalah suatu sistem perbankan yang dikembangkan berdasarkan syariat (hukum) Islam. Perbankan syariah harus diimplementasikan berdasarkan syariat Islam sesuai dengan tujuan pembentukannya. Perbankan syariah juga bertujuan untuk menunjang pelaksanaan pembangunan nasional dalam rangka meningkatkan keadilan dan kebersamaan dan pemerataan kesejahteraan rakyat. Bank syariah juga memiliki tujuan atau berorientasi tidak hanya pada profit saja, tetapi didasarkan pada falah (falah oriented), sedangkan pada bank konvensional hanya pr

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Firmani, Iqbal, and Slamet Haryono. "Pengaruh Kinerja Perusahaan Dan Laverage Terhadap Manajemen Laba Di Bank Umum Syariah Indonesia." JAD : Jurnal Riset Akuntansi & Keuangan Dewantara 4, no. 1 (2021): 1–11. http://dx.doi.org/10.26533/jad.v4i1.734.

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This study aims to analyze earning management in sharia commercial banks in Indonesia (priode 2015-2019), while the method of earningt management analysis used is Modified Jones Model. Through Random Sampling technique, 8 sharia commercial banks (BUS) are used as sempel, the banks are: BNI Syariah, BRI Syariah, Mandiri Syariah, BCA Syariah, BTPN Syariah, Bank Muamalat, Bank Mega Syariah and Bank Syariah Bukopin. The results of the Modified Jones Model profit management account show that the majority of Sharia commercial banks tend to make profit management by reducing the value of their profit

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Bucher, Tobias. "Effects of Negative Interest Rates on Stability and Profitability of Commercial Banks." Accounting and Finance Research 13, no. 3 (2024): 9. http://dx.doi.org/10.5430/afr.v13n3p9.

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The article examines the impact of the European Central Bank's (ECB) negative interest rate policy (NIRP) on commercial banks in Europe. It traces the historical context of the policy back to the financial market and banking crises, which eroded trust among banks, leading to liquidity issues and economic downturns. To counteract this, the ECB introduced negative interest rates in 2014, aiming to stimulate the economy.The research question focuses on how NIRP affects banks' annual reports, particularly concerning total assets, credit and risk volumes, proprietary trading, profits, and stability

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Simanjuntak, Melissa Marta, and Taufik Faturohman. "Increase The Total Profit Achievement of Priority Unit by Analyzing Determinants of Total Profit Case Study: PT Bank SMS Balikpapan Branch Office." European Journal of Business and Management Research 8, no. 3 (2023): 147–55. http://dx.doi.org/10.24018/ejbmr.2023.8.3.1976.

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Banks, as providers of financial services, according to their function as public fund collectors, have customers with various characteristics of different financial needs. In providing the best service to customers, banks must be able to classify the types of customers or create customer segmentation so that the services offered are right on target in meeting customers' emotional and transactional needs. In the banking business, one form of segmentation is priority service. Certain customer segments are expected to have a significant contribution to achieving bank profits, although there is a

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Dahal, Arjun Kumar, and Prem Bahadur Budhathoki. "Impact of Covid-19 Pandemic on the Net Profit and its Principal Determinants of Nepalese Commercial Banks." Journal of Management 5, no. 1 (2022): 39–57. http://dx.doi.org/10.3126/jom.v5i1.47761.

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COVID-19's influence on net profit and its main variables, such as net interest income, fee and commission revenue, and total operating income of Nepalese commercial banks, is explored. It also aims to determine the relationship between variables as well as the short- and long-term effects of interest income, fee and commission revenue, and operating income on commercial banks' net profit. The panel data of 27 commercial banks from 2011 (fiscal year 2010/11) to 2020 (fiscal year 2019/20) are examined and collected from the Nepal Rastra Bank's Banks Supervision Reports. The descriptive statisti

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Buchory, Herry Achmad. "Anomalies of Banking Intermediation and Profit Growth (Study on the 10 Largest Banks in Indonesia)." GATR Journal of Finance and Banking Review 5, no. 1 (2020): 14–22. http://dx.doi.org/10.35609/jfbr.2020.5.1(2).

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Objective – One of the bank's main goals is to obtain profit mainly from the intermediation process. The implementation of the Indonesian banking intermediary function in the year 2017 is not optimal, as indicated by credit growth in the year 2017 which only reached 8,35%. This phenomenon also occurs in the 10 largest banks in Indonesia. In 2017 the intermediation function has decreased but profits have increased. The aim of this study is to analyze the influence of banking intermediation on profit growth and whether credit quality and operational efficiency affect profit growth. An indicator

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Thantawi, Tubagus Rifqy, Damayanti, Febi Rahayu Putri, and Yulia Kania Putri. "PENGARUH MUDHARABAH, MUSYARAKAH, DAN PEMBIAYAAN BAGI HASIL LAINNYA DALAM PEMBIAYAAN BAGI HASIL KEPADA BANK LAIN, TERHADAP LABA BERSIH BANK UMUM SYARIAH DAN UNIT USAHA SYARIAH PERIODE 2008-2021." SAHID BANKING JOURNAL 2, no. 02 (2023): 186–205. http://dx.doi.org/10.56406/sahidbankingjournal.v2i02.114.

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Tujuan dalam penelitian ini yaitu untuk mengetahui apakah Pembiayaan Bagi Hasil kepada Bank Lain/Profit Sharing Financing to Other Banks dalam hal Mudharabah, Musyarakah, dan Pembiayaan Bagi Hasil Lainnya/Others, berpengaruh secara parsial dan simultan terhadap Laba Bersih. Kemudian untuk mengetahui apa saja usulan agar akad-akad mengenai Pembiayaan Bagi Hasil kepada Bank Lain/Profit Sharing Financing to Other Banks dalam hal Mudharabah, Musyarakah, dan Pembiayaan Bagi Hasil Lainnya/Others, dapat meningkatkan pengaruh yang lebih baik terhadap Laba Bersih. Berdasarkan analisis dan pembahasan da

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Kusi, Baah Aye, Kwadjo Ansah-Adu, and Albert Agyei. "Evaluating Banking Profit Performance in Ghana during and post Profit Decline: A five Step Du-Pont Approach." EMAJ: Emerging Markets Journal 5, no. 2 (2015): 29–40. http://dx.doi.org/10.5195/emaj.2015.79.

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In this study we aimed at three objectives. First, identify and rank banks based on a composite score comprising of all five du-pont variables. Second, we identify variables in the five step du-pont set up that are most likely to influence bank ROE during and post profit declining periods. And third, we estimate a model to capture the variables that drive bank ROE during and post profit declining periods. We first establish from our rankings that, foreign banks in Ghana performed better during profit declining periods while the local banks performed better in post profit decline periods using

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Mustafidah, Wiwit. "Effect of Bank Funding Sources on Total Revenue and Impact on Profit." JPSDa: Jurnal Perbankan Syariah Darussalam 3, no. 1 (2023): 1–21. http://dx.doi.org/10.30739/jpsda.v3i1.1910.

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In general, companies in operations use funds sourced from debt, own capital, or theresults of investment/financing from outside parties. Likewise, Islamic banks in theiroperations also use these sources of funds. Selection of alternative sources of fundsused can affect the level of company profitability as measured by profit. This studyaims to determine whether there is an effect of sources of funds originating from bankdebt (liability banks), securities issued, and bank third party funds on total incomeand the impact on profits of Islamic banks in Indonesia in 2014-2020. This study usesa qua

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Trimulato, Trimulato. "Eksistensi Perbankan Syariah Melalui Dominasi Pembiayaan Profit And Loss Sharing." JPS (Jurnal Perbankan Syariah) 2, no. 1 (2021): 29–41. http://dx.doi.org/10.46367/jps.v2i1.287.

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The beginning of the presence of the first Islamic bank in Indonesia was known as a bank with a profit and loss sharing concept. But in reality, profit and loss sharing financing is no longer dominant in Islamic banks, because non-profit sharing financing is more dominant, especially financing with the buying and selling model. The purpose of this research is to determine the development of financing in Islamic banks, as well as to determine the need to dominate profit-sharing financing in Islamic banks. This research is a qualitative descriptive which shows the development of Islamic bank fin

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Asmi, Ali Musallam Sulaiman Al, Mohd Fahmy-Abdullah, and Lai Wei Sieng. "A Study on The Cost And Profit Efficiency of Islamic and Conventional Bank Islamic Windows in Oman: A Proposed Framework." Revista de Gestão Social e Ambiental 18, no. 2 (2024): e06036. http://dx.doi.org/10.24857/rgsa.v18n2-102.

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Objective: This study aims to analyze the efficiency of Islamic and conventional banks and their respective Islamic windows in Oman in terms of costs and profits. Theoretical Framework: The research employs a framework that examines cost and profit efficiency within the banking sector, contrasting the performance of full-fledged Islamic banks and Islamic windows of conventional banks. This framework also investigates the impact of bank-specific variables on efficiency levels. Method: Using empirical data from the Omani banking sector, the study quantifies efficiency by analyzing bank-specific

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Kubakh, Tetiana H., Nadiya А. Dekhtiar, and Vladyslav O. Shenkarenko. "Management of Bank Profit Formation." Business Inform 11, no. 550 (2023): 257–65. http://dx.doi.org/10.32983/2222-4459-2023-11-257-265.

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In the context of martial law and the State budget deficit, the profitability of systemically important banks plays a key role in supporting the national economy as a whole. Changing economic conditions and growing competition in the financial services market impose certain requirements on banks and require them to constantly analyze the external environment and improve their performance. As banks are focused on making a profit, which is the main goal of their activities, management of profit formation is one of the key functions of banks. Thus, given the variability of the external environmen

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Sri, Wahyuni, Pujiharto, and Handayani Erna. "Profit Distribution Management and Determinant Factors: Empirical Study on Sharia Commercial Bank in Indonesia." Journal of Economics, Finance and Management Studies 5, no. 03 (2022): 860–70. https://doi.org/10.5281/zenodo.6405170.

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Profit Distribution Management is critical for Islamic bank managers to ensure the banks they manage are sustainable. Profit Distribution Management will serve as the foundation for depositors' decision to invest in sharia banks. The study's overarching objective is to ascertain the level of profit distribution management at a sharia commercial bank and the factors that influence it. According to this study, the distinguishing characteristics of a sharia commercial bank that affect profit distribution management are capital adequacy, the percentage of third-party funds, and the age of

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Setia, Rela, Ridwansyah Ridwansyah, and Erike Anggraeni. "Kontribusi Pembiayan Mikro dan Pembiayaan Implan Terhadap Laba Bersih Bank Syariah Indonesia (BSI) Cabang Kalianda Era Covid-19." Jurnal Ilmiah Ekonomi Islam 8, no. 3 (2022): 3091. http://dx.doi.org/10.29040/jiei.v8i3.6795.

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The Covid-19 pandemic has had an impact on the social and economic dimensions, including the very limited activities Sharia Bank of Indonesia (BSI) Kalianda Branch was faced with a number of challenges in the midst of the Covid-19 outbreak where the net profit earned by Sharia Bank of Indonesia (BSI) Kalianda Branch fluctuated during the Covid-19 period. Net profit is an important indicator in measuring the success of Islamic banks because the increase in profits obtained shows that the management has succeeded in managing the company's resources effectively and efficiently. The amount of inco

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Killins, Robert Neil, David W. Johnk, and Peter V. Egly. "The impact of financial regulation policy uncertainty on bank profits and risk." Studies in Economics and Finance 37, no. 4 (2019): 725–52. http://dx.doi.org/10.1108/sef-05-2019-0169.

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Purpose The purpose of this paper is to explore the impact of financial regulation policy uncertainty (FRPU) on bank profit and risk. Design/methodology/approach This study applies dynamic panel techniques and uses the Baker et al. (2016) FRPU index and macroeconomic variables to assess FRPU’s impact on bank profit and risk using Federal Deposit Insurance Corporation call reports from Q1 2000 to Q4 2016 for over 4,760 commercial banks. Findings The effect of FRPU on profitability (Return on Assets [ROA] and Return on Equity [ROE]) and risk (standard deviation of ROA and ROE) produces complex r

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Mulyadi, J. M. V. "Penilaian Efisiensi Bank dengan Data Envelopment Analysis pada 10 Bank Berperingkat Besar di Indonesia." Jurnal Riset Akuntansi & Perpajakan (JRAP) 2, no. 02 (2015): 113–26. http://dx.doi.org/10.35838/jrap.v2i02.104.

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A B S T R A C T Bank efficiency are important in the assessment of the health of banks. Data Envelopment Analysis is a model of efficiency assessment bank that is widely used because it provides a more detailed analysis of the results compared to financial ratios. Analysis carried out by the production approach, intermediation, revenues and profits. This study assesses the 10 major banks in Indonesia. The results showed that of the 10 large banks are still found inefficiencies. DEA resulted in a recommendation that development can be done bank to achieve optimum efficiency. Based on the

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Mulyadi, J. M. V. "Penilaian Efisiensi Bank dengan Data Envelopment Analysis pada 10 Bank Berperingkat Besar di Indonesia." Jurnal Riset Akuntansi & Perpajakan (JRAP) 2, no. 02 (2015): 113–26. http://dx.doi.org/10.35838/jrap.2015.002.02.11.

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A B S T R A C T Bank efficiency are important in the assessment of the health of banks. Data Envelopment Analysis is a model of efficiency assessment bank that is widely used because it provides a more detailed analysis of the results compared to financial ratios. Analysis carried out by the production approach, intermediation, revenues and profits. This study assesses the 10 major banks in Indonesia. The results showed that of the 10 large banks are still found inefficiencies. DEA resulted in a recommendation that development can be done bank to achieve optimum efficiency. Based on the

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Bheda, Anandkumar J., and Dr Arvind M. Gajera. "An Exploratory Research on Bhavnagar District Cooperative Bank Ltd – Evaluation of Profit Per Branch Ratio and Net Profit to Net Assets Ratio." RESEARCH REVIEW International Journal of Multidisciplinary 6, no. 12 (2021): 191–98. http://dx.doi.org/10.31305/rrijm.2021.v06.i12.029.

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Majorly 21 types of banks are functioning worldwide. Each and every bank plays important role in growth and development of economy of the nation. This research is focusing on district level banks of Gujarat State. Presently total 42 district level banks are functioning in Gujarat. Amid them, the orientation is taken in account to evaluate the financial performance based on two parameters – Profit per Branch Ratio and Net Profit to Net Assets Ratio of the bank. The research is examined for Bhavnagar District Co-Operative bank ltd for financial year 2013 to 2019. An application of t – test is us

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Huang, Paoyu, Chih-Te Yang, Yuhsin Chen, and Yensen Ni. "A New Look on the Profitability of Fixed and Indexed Mortgage Products." Mathematics 11, no. 17 (2023): 3631. http://dx.doi.org/10.3390/math11173631.

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This study presents a novel approach to analyzing the present value of total profit for fixed and indexed mortgage products in order to determine the optimal mortgage interest rate that would maximize the bank’s expected total profit based on applying the approach used in operations research to the field of finance. The study considers the impact of lending rate, demand, prepayment, and defaults on bank profits and emphasizes the trade-offs between potential gains and losses when setting the lending rate. As such, we not only used a fixed-rate mortgage model or an index mortgage model with the

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Doufi, Garmia. "The impact of banking integration on the profitability of Islamic banks - Case study of Al Salam Bank of Bahrain and Emirates Islamic Bank -." Milev Journal of Research and Studies 3, no. 2 (2022): 153–66. http://dx.doi.org/10.58205/mjrs.v3i2.1332.

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The global banking arena witnessed many mergers, such as Islamic banks, which witnessed few of them. One of the most important objectives of the merger is maximizing profits, especially if Islamic banks are considered as profit-oriented banking institutions in addition to their economic, social and developmental functions. A statistical indication of the integration of the profitability of Al Salam Bank of Bahrain and Emirates Islamic Bank.

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Shinta Pramudya Wardani and Rendra Erdkhadifa. "Analisis Faktor-Faktor yang Mempengaruhi Return on Asset pada KB Bukopin Syariah dengan Pendekatan Error Correction Model." Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah 7, no. 4 (2025): 2539–57. https://doi.org/10.47467/alkharaj.v7i4.5594.

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Sharia bank operations are oriented towards obtaining as much profit as possible. Banks that obtain maximum profits indicate better bank management performance. However, a bank that fails to generate optimal profits can become an urgency in itself and result in bank bankruptcy. The condition of low bank profits experienced by KB Bukopin Syariah, which in recent years has experienced decline in profitability (ROA) reaching negative numbers. In order to prevent this bad profit condition, a study is needed to analyze the factors that have an influence ROA which hinder banks in earning profits. Se

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Laily Nur Fitriana and Syaiful Syaiful. "Pengaruh Suku Bunga, Likuiditas, dan Bagi Hasil terhadap Deposito Mudharabah pada Bank Umum Syariah yang ada di Indonesia." Akuntansi 3, no. 3 (2024): 69–86. http://dx.doi.org/10.55606/akuntansi.v3i3.2050.

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This research aims to examine the influence of interest rates, liquidity, profit sharing on mudharabah deposits with independent variables, namely interest rates, liquidity and profit sharing. This research uses a quantitative approach and the sample used is 8 Islamic banks registered with the Financial Services Authority (OJK) the 2019-2021 period which was obtained through the purposive sampling method. The analysis technique used is multiple linear regression with the help of SPPS 25.0 for Windows. The research results show that the interest rate variable does not have a significant effect

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Komala, Cahya, and M. Arifin. "Analisis Penerapan Risiko Kredit Dan Risiko Operasional Terhadap Pertumbuhan Laba Perbankan." Jurnal Ilmiah Manajemen Kesatuan 6, no. 2 (2018): 109–15. http://dx.doi.org/10.37641/jimkes.v6i2.160.

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For users of financial statements and business people in economic decision making requires information about the condition and financial performance of the company. Risk analysis is an alternative to test whether banking risks are useful for predicting future earnings growth. Well, managed risks can provide benefits to banks in generating profits or revenues. Financial users and business users in assessing a banking company not only see the profit generated in one period but continuously monitor the profit growth from year to year. This study was conducted by using multiple linear regres

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Dewi Ariyani Rahman, Novita Weningtyas Respati, and Sarwani Sarwani. "Pengaruh Tingkat Kesehatan Bank Dengan Menggunakan Pendekatan RBBR (Risk Based Bank Rating) dan Ukuran Bank Terhadap Pertumbuhan Laba Pada Bank Umum Konvensional Yang Terdaftar di BEI Periode 2018 – 2022." Edunomics Journal 6, no. 1 (2025): 1–17. https://doi.org/10.37304/ej.v6i1.18834.

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This research aims to explain the influence of bank health levels using the RBBR (Risk Based Bank Rating) approach and bank size on profit growth in Conventional Commercial Banks listed on the Indonesia Stock Exchange for the period 2018 - 2022. The RBBR approach includes Risk Profile, Good Carporate Governance, Earnings, and Capital and Bank Size. The method used in this research is a quantitative method that uses secondary data with documentation studies in the form of conventional commercial bank financial reports which have been published on the Indonesia Stock Exchange website, namely www

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Wang, Liyue. "Does The Enhancement of Profitability Necessarily Reduce Bank Credit Risk?" International Journal of Business and Management 15, no. 12 (2020): 93. http://dx.doi.org/10.5539/ijbm.v15n12p93.

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Based on the data of China&#39;s listed banks from 2010 to 2018, this paper uses panel data model and threshold model to examine the impact of profitability on credit risk of commercial banks. The results show that: (1) After controlling the influence of bank size, the growth rate of net profit is negatively correlated with credit risk; (2) With the same growth rate of net profit, the larger the bank scale, the smaller the credit risk. At the same time, with the decrease of the growth rate of net profit, the influence of bank size on credit risk increases; (3) When the bank scale is large

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Kartawinata, Budi Rustandi, Candra Wijayangka, and Muhammad Hasan Rabbani. "Analisis Perbedaan Revenue Bunga Bank Konvensional Dengan Bagi Hasil Bank Syariah (Studi PT Bank Maybank Tbk dan PT Bank BRI Syariah Tbk)." eCo-Buss 1, no. 3 (2019): 196–202. http://dx.doi.org/10.32877/eb.v1i3.65.

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Financial institutions divided into two, conventional banking and sharia banking. The fundamental thing that distinguishes between conventional and sharia financial institutions lies in the return and profit sharing provided by customers to financial institutions and / or provided by financial institutions to customers (Muhamad, 2014). Operational activities of sharia banks use the Profit Sharing Principle. This research was conducted in order to find out Revenues comparison between interest given by Bank Maybank with Profit Sharing given by Bank BRI Syariah. The purpose of this study is to fi

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Muhammad al-‘Ayzar, Tria Okta Ameliah, Muhamad Nouval Azmi, Wahyu Hidayat, and Zaini Ibrahim. "Pengaruh Kualitas Pelayanan Bank Syariah Terhadap Kepuasan Mahasiswa Sebagai Nasabah Bank Syariah." MENAWAN : Jurnal Riset dan Publikasi Ilmu Ekonomi 2, no. 4 (2024): 243–54. http://dx.doi.org/10.61132/menawan.v2i4.727.

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Islamic banks, as the name implies, are banks based on Islamic law (sharia) which do not run an interest system in their operations because this is considered a ribawi mechanism. In carrying out its operations, Islamic banks take profits by using a profit-sharing system. The operational activities of Islamic banks do not only focus on raising and channeling funds, but service quality is also an important factor in maximizing profits. The purpose of this study is to determine whether the quality of Islamic bank services has an influence on student satisfaction as Islamic bank customers. And thi

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Fitzpatrick, Trevor, and Kieran McQuinn. "Measuring bank profit efficiency." Applied Financial Economics 18, no. 1 (2008): 1–8. http://dx.doi.org/10.1080/09603100601018898.

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Nofinawati, Dede Ruslan, Muhammad Fitri Rahmadana, and Adanan Murroh Nasution. "Analysis of Asset and Financing Contribution to Islamic Banking Profit in Indonesia by Vector Autoregression (VAR) Method." EKONOMIKA SYARIAH : Journal of Economic Studies 8, no. 2 (2024): 128–42. https://doi.org/10.30983/es.v8i2.8463.

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The profit growth of Islamic banks in Indonesia tends to decline from the Covid-19 period to date. However, the number of assets and the amount of financing of Islamic banks tend to increase from one period to the next. This article discusses the contribution of assets and financing to the profitability of Islamic banking in Indonesia. This article was created using quantitative research methods. The data comes from the Financial Services Authority (OJK), namely data related to the amount of profit, assets, and financing in the Sharia Banking Statistics report, especially Sharia Commercial Ban

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N, Sathiya, and Sangeetha S. "FINANCIAL PERFORMANCE OF SELECTED PUBLIC AND PRIVATE SECTOR BANKS IN INDIA." ICTACT Journal on Management Studies 7, no. 4 (2021): 1471–75. https://doi.org/10.21917/ijms.2021.0213.

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The main objective of this paper is to evaluate the financial performance of selected public and private sector banks in India. The present study is used secondary data for period of five years from 2014-15 to 2018-19. To compare the financial performance by using selected parameters namely return on asset, total income, net profit, net interest income and operating profit. The study found that total income, net interest income and operating profit of selected public sector banks are performing better than private sector banks. On the other hand, net profit and return on assets of private sect

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Riezdita, Ayunda, and Riska Lisnawati. "Analisis Kriteria Penentuan Bagi Hasil Kerjasama antara Bank Syariah dengan Financial Technology sektor P2P Lending." Journal Islamic Banking 1, no. 2 (2021): 68–72. https://doi.org/10.51675/jib.v1i2.363.

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Abstract: This study aims to analyze the profit-sharing scheme used by Islamic Banks in collaboration with P2P Landing. Using a qualitative approach and literature study method, it was found that one of the P2P landing institutions used a mudharabah contract in collaboration with Islamic banks. Profit sharing is determined by determining the bank's expected rate of return and the level of expected return of fund users. The bank's expected rate of return is determined based on the estimate of the expected return of the fund provider, the estimated overhead cost, the estimated level of risk, and

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Zeb, Shumaila, and Abdul Sattar . "Financial Regulations, Profit Efficiency, and Financial Soundness: Empirical Evidence from Commercial Banks of Pakistan." Pakistan Development Review 56, no. 2 (2017): 85–103. http://dx.doi.org/10.30541/v56i2pp.85-103.

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The purpose of this paper is threefold. First, it measures profit efficiency and financial stability of commercial banks of Pakistan. Second, it empirically estimates the effect of the already implemented financial regulations on the profit efficiency and financial stability of banks. Third, it examines the differential effect of financial regulations on profitability and financial soundness across bank size. To carry out the empirical analysis, a balanced bank-level panel data covering the period 2008-2014 is used. To gauge the profit efficiency of commercial banks, Data Envelopment Analysis

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Fitri, Fitriyana, Komala Adriyani, and Catur Ragil Sutrisno. "PROFIT DISTRIBUTION MANAGEMENT PADA BANK SYARIAH." MALIA: Journal of Islamic Banking and Finance 2, no. 1 (2018): 31. http://dx.doi.org/10.21043/malia.v2i1.4758.

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This study aims to analyze the influence of the proportion of third party funds (DPK), operational cost to operating income (BOPO), financing to deposit ratio (FDR), bank size and capital adequacy ratio (CAR) to profit distribution management at Sharia Bank. The population is all Sharia Commercial Banks in Indonesia, the period of 2012-2015. Samples were taken using purposive sampling technique. The results show that third party funds (DPK), finance to deposit ratio (FDR) and bank size have no significant effect on profit distribution management (PDM). While BOPO and capital adequacy ratio (CA

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Waluyo, Bambang, and Ida Syafrida. "SEPARATION OF ISLAMIC BANKS FROM CONVENTIONAL BANK OWNERSHIP TO INCREASE MARKET SHARE OF ISLAMIC BANKING IN INDONESIA." Financial and credit activity problems of theory and practice 2, no. 61 (2025): 87–100. https://doi.org/10.55643/fcaptp.2.61.2025.4627.

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The market share of Islamic banking in Indonesia is still low. In Indonesia, most Islamic banks are owned by their parent conventional banks. As subsidiaries of conventional banks, the profits earned by Islamic banks are attributed to their parent conventional banks, thereby increasing the overall revenue and profitability of the parent bank. The main objective of this study is to evaluate the impact of conventional banks' majority ownership of Islamic banks on the development of the Islamic banking industry in Indonesia. The study’s objective is to encourage the government and banking regulat

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Wahyuni, Sri, and Pujiharto Pujiharto. "Profit efficiency of shariah banks in Indonesia and the determining factors: Using Stochastic Frontier Analysis Method." Journal of Economics, Business & Accountancy Ventura 19, no. 2 (2016): 271. http://dx.doi.org/10.14414/jebav.v19i2.711.

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This study aims to measure the efficiency of profit and examine the factors that affect the efficiency of shariah banks profit in Indonesia such as the size of banks, risk financing, and capital adequacy. This study used the Shariah banks in Indonesia, during the period of 2010-2014. These shariah banks were selected as the sample Commercial shariah banks and Shariah Business Units. This study uses three stages of research. First, it measures the efficiency of profit using a parametric approach that is Stochastic Frontier Approach (SFA). Secondly, its uses regression profit efficiency scores w

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Afif, Zaim Nur, and Imron Mawardi. "Pengaruh Pembiayaan Murabahah Terhadap Laba Melalui Variabel Intervening Pembiayaan Bermasalah Bank Umum Syariah di Indonesia Periode 2009-2013." Jurnal Ekonomi Syariah Teori dan Terapan 1, no. 8 (2015): 565. http://dx.doi.org/10.20473/vol1iss20148pp565-580.

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This study aims to investigate the effect of murabaha financing to profit through non performing financing as an intervening variable of islamic banks in Indonesia. This study uses quantitive approach with path analysis and three kinds of variables, they are murabaha financing as exogenous variable, non performing financing as intervening endogenous variable and profit as endogenous variable. The banks are used in this study is the Bank Muamalat Indonesia, Bank Syariah Mandiri, Bank Mega Syariah, Bank BRI Syariah, and Bank Syariah Bukopin. This study uses secondary data. Data collection is con

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Zainuri, Umi Cholifah, and Erika Ayu Pandini. "The Influence of Maqasid Shariah Index and Shariah Business Good Governance on the Profit Growth of Islamic Commercial Banks in Indonesia." Jurnal Ekonomi Syariah Teori dan Terapan 10, no. 4 (2023): 415–26. http://dx.doi.org/10.20473/vol10iss20234pp415-426.

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ABSTRACT This research aims to investigate the impact of Maqasid Shariah Index and Shariah business good governance on the profit growth of Islamic commercial banks in Indonesia during the period 2017 to 2021. The study employs a quantitative research method with the Panel Least Square (PLS) approach, and Lagrange Multiplier test is used to determine the appropriate regression model. The Common Effect Model (CEM) is found to be the best fit regression model. After conducting the Lagrange Multiplier test, the study proceeds to examine the classical assumptions. The research population consists

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Baten, M. A., and A. A. Kamil. "A stochastic frontier model for measuring online bank profit efficiency." South African Journal of Business Management 42, no. 3 (2011): 49–60. http://dx.doi.org/10.4102/sajbm.v42i3.499.

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This study revisited an alternative profit efficiency function specified by Berger & Mester, (1997) and we applied Battese & Coelli, (1995) inefficiency model as a unified and consistent framework in exploring the determinants of important factors causing profit efficiency differential on banking industry in Bangladesh. Using stochastic frontier technique we estimated bank specific profit efficiency for the period 2000 to 2007. This study attempted to examine the changes in the profit efficiency in accordance with NBs (Nationalized Commercial Banks), ISBs (Islamic Banks), FBs (Foreign

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Nurdiwaty, Diah, and Badrus Zaman. "ANALISIS RASIO KEUANGAN DAERAH UNTUK MENILAI KENERJA KEUANGAN DAERAH ( STUDI KASUS PADA DINAS PENDAPATAN PENGELOLAAN KEUANGAN DAN ASET KOTA KEDIRI)." Journal of Innovation in Business and Economics 7, no. 1 (2016): 31. http://dx.doi.org/10.22219/jibe.vol7.no1.31-40.

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The purpose of this study was to examine the factors that determine the profitability of the banks of the largest commercial banks nationwide in Indonesia for the period 2010-2014. Based on the prescribed criteria, banks selected as samples were Bank Central Asia, Bank Negara Indonesia and Bank Mandiri. The dependent variable in this study is profit. The independent variables consist of liquidity risk, credit risk and efficiency. The analytical tool used is multiple linear regression analysis. The results showed that the liquidity risk of significant and positive impact on profits. Meanwhile,

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Rakshit, Bijoy, and Samaresh Bardhan. "DOES BANK EFFICIENCY ENHANCE BANK PERFORMANCE? EMPIRICAL EVIDENCE FROM INDIAN BANKING." Buletin Ekonomi Moneter dan Perbankan 25 (March 24, 2022): 103–24. http://dx.doi.org/10.21098/bemp.v25i0.1844.

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This paper examines the effects of cost, revenue, profit efficiency, and stability inefficiency on bank profitability in India over the period 1997 to 2017. Additionally, this study examines the effect of efficiency on profitability for banks according to their ownership and for periods with (and without) the global financial crisis. The cost, revenue, and profit efficiency scores for 70 banks in India are estimated using stochastic frontier analysis. Our key findings are as follows. First, we find that cost, revenue and profit efficiencies positively influence the profitability conditions of

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Hasibuan, Raisa Muthia Syahrani, Tuti Anggraini, and Khairina Tambunan. "The Effect of Third Party Funds and Murabahah Margin Income through Corporate Social Responsibility (CSR) as Intervening Variables on Bank North Sumatra Syariah's Profit in 2019-2022." Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam 11, no. 2 (2023): 108–28. http://dx.doi.org/10.37812/aliqtishod.v11i2.980.

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One of the indicators of the viability of a bank is its profit. Profitability is an important indicator for the long-term survival of the operation of Islamic institutions. The formulation of this research problem is whether DPK and murabahah margin have a partial and simultaneous effect on CSR. Is there a simultaneous and partial influence of deposits, murabahah margins, and CSR on Bank Sumut Syariah's profits? Can CSR mitigate the impact of deposits and murabahah margins on Bank Sumut Syariah's profits? The research method used is the quantitative research method with a purposive sampling te

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