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Journal articles on the topic 'Bank profits'

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

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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4

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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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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6

Santosa, Bernadus Dwi Joko, Yulia Efni, and Novita Indrawati. "Performance Analysis Bank Group Based on Core Capital 4 (KBMI4) 2017–2022." InJEBA : International Journal of Economics, Business and Accounting 2, no. 3 (2024): 266–94. https://doi.org/10.5281/zenodo.13280058.

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<em>In this research, a sample of banks from the KBMI 4 group is used to describe banking sustainability during the COVID-19 crisis. In this group, bank profits and assets increased during the event period. The aim of this research is to see and analyze the influence of six (six) independent variables on bank profit achievement. Apart from that, this research also evaluates and analyzes the influence of the type of ownership and the time period of the incident on the achievement of bank profits, to determine which entity is most effective in achieving bank profits at this time. In this researc

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Santosa, Bernadus Dwi Joko, Yulia Efni, and Novita Indrawati. "Performance Analysis Bank Group Based on Core Capital 4 (KBMI4) 2017–2022." JAAMTER : Jurnal Audit Akuntansi Manajemen Terintegrasi 2, no. 2 (2024): 464–92. https://doi.org/10.5281/zenodo.12607564.

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<em>In this research, a sample of banks from the KBMI 4 group is used to describe banking sustainability during the COVID-19 crisis. In this group, bank profits and assets increased during the event period. The aim of this research is to see and analyze the influence of six (six) independent variables on bank profit achievement. Apart from that, this research also evaluates and analyzes the influence of the type of ownership and the time period of the incident on the achievement of bank profits, to determine which entity is most effective in achieving bank profits at this time. In this researc

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8

Tregenna, Fiona. "The fat years: the structure and profitability of the US banking sector in the pre-crisis period." Cambridge Journal of Economics 33, no. 4 (2009): 609–32. http://dx.doi.org/10.1093/cje/bep025.

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Abstract Bank profitability in the USA was extremely high in the pre-crisis period, yet this did not prevent the current crisis. It has become clear that these profits were on shaky grounds and also that bank profits were not used to buttress banks’ capital bases. This paper analyses the effects of structure on profitability from 1994 to 2005. Bank-level panel data are used to test the effects of concentration, market power, bank size and operational efficiency on profitability. Efficiency is not found to be a strong determinant of profitability, suggesting that banks’ high profits during this

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9

De Jager, Phillip. "For banks, fair value adjustments do influence dividend policy." Southern African Business Review 19 (February 26, 2019): 157–90. http://dx.doi.org/10.25159/1998-8125/5812.

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5Most researchers who investigate the interplay between fair value accounting (FVA) and the financial crisis look at the time period during the crisis. This paper investigates a potential role for FVA prior to the crisis: If FVA led to increased accounting profits with the recognition of transitory gains through profit and loss during the boom, and if those increased profits provided the rationale for increased dividends, then bank capital became riskier prior to the crisis, and this would have made the system more prone to failure. A study by Goncharov and Van Triest (2011) found no empirical

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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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11

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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12

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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13

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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14

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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15

Ostojic, Sinisa. "Applicative aspects of bank′s financial reporting: Analytical framework of a single banking report." Privredna izgradnja 46, no. 1-2 (2003): 73–110. http://dx.doi.org/10.2298/priz0302073o.

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This paper introduces financial statements of commercial banks and presents a procedure for analyzing bank profitability and risks using historical data. The procedure involves decomposing aggregate profit ratios into their components to help identify key factors that influence performance. This paper presents a procedure for analyzing bank performance using periodic balance sheet and income statement data. It describes the components of financial statements, provides a framework for comparing the trade-off between bank profitability and risk, and compares the performance of a small community

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16

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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17

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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18

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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19

Yudianto, Agus, and Meddy Nurpratama. "The Effect of Credit Development and Interest Income on Profits at Bank bjb." EAJ (Economic and Accounting Journal) 4, no. 2 (2022): 111–24. http://dx.doi.org/10.32493/eaj.v4i2.y2021.p111-124.

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The economic activity of a country is inseparable from the traffic of money payments, where the banking industry plays a very strategic role, it can be said to be the lifeblood of the economic system, banks have the main function as an intermediary service with their main activities collecting funds from the public and channeling them back to the public and also as the center of a complex financial structure both nationally and internationally, where the objective is to support the implementation of national development. Identify problems that will be discussed further are as follows: How is t

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20

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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21

Goddard, John, Hong Liu, Phil Molyneux, and John O. S. Wilson. "Do Bank Profits Converge?" European Financial Management 19, no. 2 (2010): 345–65. http://dx.doi.org/10.1111/j.1468-036x.2010.00578.x.

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22

Bergant, Katharina. "Inflation and Bank Profits." Staff Discussion Notes 2025, no. 001 (2025): 1. https://doi.org/10.5089/9798400294723.006.

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23

Kareem, Eddo Mochammad, Didit Supriyadi, and Sri Suartini. "Pengaruh Dana Pihak Ketiga Terhadap Laba Pada Bank BNI Syariah Periode 2011-2020." Business Innovation and Entrepreneurship Journal 4, no. 3 (2022): 216–26. http://dx.doi.org/10.35899/biej.v4i3.380.

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Bank BNI Syariah as a financial institution continues to strive to create profits from each of its customers' financial transactions. This study aims to find out how third party funds and profits and the effect of third party funds on BNI Syariah bank profits. This study uses a quantitative approach, using secondary data in the form of BNI Syariah financial statement data for the period 2011 to 2020. The third party fund variable is the independent variable while profit is the dependent variable. Data analysis used simple linear regression analysis method. The results showed that third party f

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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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25

Hameed, Teba Majed, and Anis Bouabid. "The Impact of Operational Efficiency and Offensive Marketing Strategy on Banking Profits Using the Dupont Model." International Journal of Professional Business Review 8, no. 1 (2023): e01061. http://dx.doi.org/10.26668/businessreview/2023.v8i1.1061.

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Purpose: aims of the study is to measure the operational efficiency of banks and the profit indicators represented by the ratio of return on assets and return on equity, and correlation relationship between the research sample bank's use of an offensive marketing strategy and its impact on increasing profits Theoretical framework: formulate an offensive marketing strategy and to show its impact on increasing profits for the National Bank of Iraq. Design/methodology/approach: The sample study are private commercial banks operating within the Iraqi banking environment. Finance and for a financia

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26

Orzechowski, Paul E. "The bank capital channel and bank profits." Review of Financial Economics 37, no. 3 (2019): 372–88. http://dx.doi.org/10.1002/rfe.1054.

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27

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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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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29

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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Hadi Abd, Waad. "Impact of Bank Deposits and Loans on Increasing Profit After Tax: A Comparative Study for Some Iraq Commercial Banks." International Journal of Economics and Finance 16, no. 11 (2024): 16. http://dx.doi.org/10.5539/ijef.v16n11p16.

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This study aims at clarifying the importance of auditing banking performance in measuring the impact of changes in bank loans and deposits to a sample of commercial banks in Iraq. As a comparative study, only three commercial banks are: Iraqi Investment Bank, Al-Mansour Investment Bank and Mosul Bank for Development and Investment because of the possibility of obtaining its annual reports and also they are characterized by transparency comparison with others. The methodology of the study is based on the quantitative and comparative approach to test the impact of loans and deposits on net profi

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Reddy, Nischala, Ben Le, and Paula Moore. "The Effect of Cross-Listing, Institutional Ownership, External Monitoring, and Capital Stringency Regulation on Bank Performance: A Comparison of Developed and Developing Economies." Journal of Finance Issues 21, no. 1 (2023): 13–47. http://dx.doi.org/10.58886/jfi.v21i1.5693.

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A bank listed on a single exchange must endure complex rules and high compliance costs. Those rules and costs are magnified when a bank decides to cross-list on multiple exchanges especially when the exchanges are in countries with varying degrees of development. We study the impact of cross-listing, institutional ownership, external monitoring, and capital stringency regulation on banks’ performance in developed and developing economies. The effect of cross-listing from a more developed to a less developed country differs from the effect of cross-listing in the opposite direction. We find tha

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Muhlis, Muhlis, and Hardiyanti Ade Ahsana. "DAMPAK PEMBIAYAAN MURABAHAH TERHADAP LABA PT BANK BNI SYARIAH (PERSERO) TBK. KANTOR CABANG MAKASSAR." Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah 6, no. 2 (2021): 249–62. http://dx.doi.org/10.36908/isbank.v6i2.181.

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The presence of murabahah financing service facilities at PT Bank BNI Syariah is expected to internally maximize profits for the company. For this reason, this research aims to provide empirical evidence regarding the impact of murabahah financing on profits at PT Bank BNI Syariah (Persero) Tbk. Makassar Branch Office, using 2014-2016 financial report data. The methodology uses quantitative descriptive analysis through linear regression and hypothesis testing. Research results show that murabahah financing has a positive and significant impact on profits at PT Bank BNI Syariah (Persero) Tbk. M

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Faizah, Iva, Ariyadi Ariyadi, Dian Ella May Rina, and Elis Yalil Rezkiani. "Profitability Ratio Analysis in Measuring Financial Performance in Islamic Banking Listed on the IDX (2021-2023)." Al-Mashrof: Islamic Banking and Finance 5, no. 2 (2024): 166. https://doi.org/10.24042/al-mashrof.v5i2.24788.

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This research discusses profitability ratio analysis in measuring the financial performance of sharia banking listed on the IDX for the 2021-2023 period. Profitability ratios are the ability of a company to generate profits during a certain period. This ratio also provides a measure of the level of effectiveness of a company's management. The research method used is quantitative descriptive. The results of analysis of profitability ratios such as Net Profit Margin (NPM) and Gross Profit Margin (GPM) from several Islamic banks show significant fluctuations and changes from year to year. Bank Al

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Hapsila, Angga, Ivalaina Astarina, Yudha Remofa, and Agus Supriyadi. "The Effect of Third Party Funds and Assets on Profits at PT. Riau Kepri Syariah Regional Development Bank." International Journal of Applied Research and Sustainable Sciences 2, no. 5 (2024): 385–94. http://dx.doi.org/10.59890/ijarss.v2i5.1948.

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The research was conducted to see the effect of tThe research was conducted to see the effect of third party funds and assets on profits at PT. Riau Regional Development Bank Kepri Syariah. The data in this study used secondary data from 2009 to 202, through a quantitative approach. Researchers utilize SPSS version 24 in managing data. The results showed that third-party funds partially had no effect on profits and assets partially affected profits. The results of research on third-party funds and assets simultaneously affect profits. Keywords: Profit, Third Party Funds and Assetshird party fu

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Sanjoyo, Amir Triyadi. "ANALISIS PENGARUH CAR, NIM, NPL, DAN LDR TERHADAP ROA (Studi Kasus pada Bank Umum Persero BUMN Periode 2013-2018)." Jurnal Administrasi Bisnis Fisipol Unmul 8, no. 4 (2020): 290. http://dx.doi.org/10.54144/jadbis.v8i4.3941.

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Banks must carry out their activities with the precautionary principle so as not to harm the wider community such as the banking crisis of 1998 and 2008, therefore Bank Indonesia issued regulation no. 13/1 / PBI / 2011 in 2012 as a guideline for banks to maintain banking health using the RGEC method. This research was conducted to determine the effect of the CAR, NIM, NPL, and LDR ratio to the ROA ratio. With all of the above ratios are from the Bank Indonesia RGEC assessment method, on BUMN banks consisting of BNI, Mandiri, BRI, and BTN. This study uses multiple linear regression analysis usi

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Hasanuddin, Rusdiah. "PENGARUH LIKUIDITAS DAN DEPOSITO TERHADAP PEROLEHAN LABA PERUSAHAAN PADA PT. BANK NEGARA INDONESIA (PERSERO), Tbk. KCP KOLAKA." JEMMA (Journal of Economic, Management and Accounting) 7, no. 1 (2024): 126. http://dx.doi.org/10.35914/jemma.v7i1.2770.

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This research aims to determine the influence of liquidity and the influence of deposits on the company's profit at PT Bank Negara Indonesia (Persero) Tbk KCP Kolaka. The method used is quantitative descriptive, which seeks to explain and examine how an independent variable influences the dependent variable. The data used is secondary data in the form of Financial Reports which have been processed in 2017 - 2021 at PT Bank Negara Indonesia (Persero) Tbk KCP Kolaka. The analysis method used is multiple regression analysis. The research results show that 1) Liquidity partially has a significant

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Dewi, Kemala, Ida Bagus Made Arjana, and Ida Bagus Heri Juniawan. "Working Capital Turnover Terhadap Rentabilitas Bank Perkreditan Rakyat." Guna Sewaka 1, no. 2 (2022): 15–22. http://dx.doi.org/10.53977/jgs.v1i2.666.

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The purpose of measuring economic profitability is to obtain an overview of the effectiveness and efficiency of BPRs in maximizing the management of working capital to earn profits. The use of effective and efficient working capital does not necessarily indicate the ability of the BPR to earn a profit. In obtaining BPR profits can be measured using the ratio of cash turnover and receivables turnover. Economic profitability is a measure of BPR in generating profits. Economic profitability can be achieved if the working capital turnover is fast. The method used is narrative analysis through lite

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Asare-Kumi, Abeku Atta, Kwasi Adjepong Darkwah, Ezekiel N. N. Nortey, and Charlotte Chapman-Wardy. "Variable Reduction and Determinants of Working Capital Management on Profits for Ghanaian Banks." European Scientific Journal, ESJ 12, no. 7 (2016): 316. http://dx.doi.org/10.19044/esj.2016.v12n7p316.

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Today, several factors has contributed to the profitability of Banks. Data collected on these factors often has several variables. It is a non-trivial exercise to determine which of the factors that significantly influences the profits of Banks. This paper adopts the use of Principal Component Analysis (PCA) on the several variables expected to influence the working capital management on the profits of banks of the Ghana Stock Exchange (GSE). Fifteen of the several variables captured by the GSE which affect working capital management on profit were grouped into four factors using the principal

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Rai, Riya Anil. "Impact of corporate governance on bank profitability - post reforms by RBI and SEBI." Independent Journal of Management & Production 12, no. 7 (2021): 1919–34. http://dx.doi.org/10.14807/ijmp.v12i7.1473.

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In India, the increasing awareness with respect to CG, particularly in the commercial banking industry can be attached to a variety of factors such as liberalization, scams, corporate failures in banks, accounting and other irregularities that have led to an era of rising public distrust of the governance process in the banking landscape. Because of economic problems arising out of banking mis-management and failures, studies on bank profitability have become imperative for recognizing problems and mitigating economic risks. Over the last few years, Indian banks' toxic loan pile has increased

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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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Rani, Neeraj, and Dr Sangeeta. "Effect of Mergers on Bank of Baroda Before and After, a Study of the Banking Sector." Financial Engineering 1 (July 17, 2023): 307–15. http://dx.doi.org/10.37394/232032.2023.1.29.

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The banking industry has been essential to the economy’s development. Mergers and acquisitions are one of the best ways for banks to expand. The government merged banks when banks had more non-performing assets (NPA), less efficiency for work, no global reach, less profitable situation, or had other unimportant features. The government decided to combine three public sector banks in 2019, namely Vijaya Bank, Dena Bank, and Bank of Baroda (BOB). BOB rose to become India’s third-largest bank following the merger. In order to analyze the position of the bank, the study covered various indicators

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Batavia, Bala, and Nicholas A. Lash. "Bank Loan Accommodation." Journal of Applied Business Research (JABR) 4, no. 4 (2011): 33. http://dx.doi.org/10.19030/jabr.v4i4.6389.

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The banking literature occasionally refers to bank loan accommodation, that is, the willingness of commercial banks to make loans at such favorable terms that they suffer a diminution of profits. Such behavior is explained by a strategy of temporarily reducing profits in order to increase long run gains through the strengthening of customer relations. This studys empirical analysis fails to find any evidence to support the accommodation view of bank behavior.

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Setiawan, Iwan. "PEMBIAYAAN UMKM, KINERJA BANK SYARIAH DAN PERTUMBUHAN EKONOMI DI INDONESIA." Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah 6, no. 2 (2021): 263–78. http://dx.doi.org/10.36908/isbank.v6i2.165.

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Sharia banks have an important role to do with the development of MSMEs and the economy in Indonesia. The share of sharia bank financing in MSMEs decreased beyond the minimum limit set. This study aims to look at the role of MSME financing on the performance of Sharia banks and economic growth in Indonesia. The study used monthly data for the period 2016-2019 with the two stage least square (TSLS) analysis method. The results of this study revealed that financing in MSMEs contributes greatly to the improvement of the performance (ROA) of Sharia banks. The financing of MSMEs of Sharia banks doe

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Cahyandari, Rini, and Faridatul Hasanah. "Table Installments Finance Sharia of Motor Vehicle Using Proportional, Annuity, and Effective Rate Method." International Journal of Mathematics, Statistics, and Computing 1, no. 4 (2023): 84–88. http://dx.doi.org/10.46336/ijmsc.v1i4.40.

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One of the products offered by sharia banks is financing. In this financing, Islamic banks usually take profits in the form of margin or it can also be done by profit sharing. The base profit rate model was introduced to determine margins in Islamic bank financing. The margin generated using the base profit rate model is only in the form of a percentage. Therefore, follow-up was carried out by forming a sharia financing installment table to make it easier to see profits in nominal form. The methods used in making this installment table are the proportional method, annuity method and effective

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Mustika, Ita, Intan Juniarti, and Ning Lestari. "ANALISA NET PROFIT MARGIN, RETURN ON ASSETS, DAN RETURN ON EQUITY PADA PT BANK PEMBANGUNAN DAERAH RIAU KEPRI TAHUN 2017-2019." Zona Keuangan: Program Studi Akuntansi (S1) Universitas Batam 11, no. 3 (2022): 77–84. http://dx.doi.org/10.37776/zuang.v11i3.811.

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This study aims to test and analyze the Net Profit Margin (NPM), Return On Assets (ROA), and Return On Equity (ROE) conducted on the financial statements of PT. Riau Islands Regional Development Bank 2017-2019. NPM is an analytical method to see bank performance in generating net profit by utilizing sales. ROA is an analytical method to see the bank's performance in generating profits by utilizing its assets. ROE is a method of analyzing bank performance in generating profits by utilizing their own capital. The results of the study contain the value of the analysis using the three methods abov

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Andi Diah Kuswanto, Auliya Putri Amanda, Yoseba Priscilla, Maranatha Magdalena, Ananti Putri Safira, and Izza Maulida. "Penerapan Algoritma Linear Regression Dalam Memprediksi Harga Saham Bank BRI." Switch : Jurnal Sains dan Teknologi Informasi 2, no. 3 (2024): 88–102. http://dx.doi.org/10.62951/switch.v2i3.119.

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Investment is the act of placing funds in the hope of getting additional money or profits. Basically, investing involves placing a certain amount of funds today in the hope of making a profit in the future. From this understanding, it can be concluded that stock investment is the allocation of current sources of funds with the hope of gaining profits in the future through purchasing securities in the form of shares. The aim is to obtain additional or certain profits from the funds invested in trading shares on the stock exchange.

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Ifanka, Tia, and Happy Febrina Hariyani. "ANALISIS PENGARUH AKTIVA PRODUKTIF TERHADAP LABA PADA BANK UMUM DEVISA." Journal of Financial Economics & Investment 3, no. 2 (2023): 103–13. http://dx.doi.org/10.22219/jofei.v3i2.24135.

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This study aims to determine the effect of Earning Assets: Disbursed Loans, Investments in Securities, Placements in Other Banks on Profits at Foreign Exchange Commercial Banks registered with Bank Indonesia (BI) in 2015-2019. The population in this study is the National Private Foreign Exchange Commercial Banks registered with BI during the observation period from 2015 to 2019 which amounted to 41 banking companies. As for the determination of the sample in this study using the census method where all the population was determined as a sample which amounted to 41 National Private Commercial B

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Maneely, Morgan. "Bank Profits and Bank Taxes in the EU." IMF Working Papers 2024, no. 143 (2024): 1. http://dx.doi.org/10.5089/9798400281198.001.

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Fadhila, Novi, and Isna Ardila. "Pengaruh Non Performing Financing dan Return On Assets Terhadap Perubahan Laba." Balance : Jurnal Akuntansi dan Manajemen 2, no. 2 (2023): 80–89. http://dx.doi.org/10.59086/jam.v2i2.333.

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Umumnya perusahaan menginginkan laba ketika menjalankan operasional nya. Laba yang baik akan menggambarkan pencapaian yang baik pula oleh perusahaan. selain pencapaian laba yang baik, perusahaan juga dinilai berdasarkan rasio keuangan yang akan dibutuhkan nantinya oleh berbagai pihak. Penelitian ini bertujuan untuk mengetahui pengaruh Non Performing Financing dan Return On Assets terhadap laba pada Bank Muamalat baik secara simultan maupun secara parsial. Pendekatan yang digunakan adalah assosiatif, menggunakan data sekunder berupa laporan keuangan dengan teknik pengolahan data analisis regres

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Hoechle, Daniel, Stefan Ruenzi, Nic Schaub, and Markus Schmid. "Financial Advice and Bank Profits." Review of Financial Studies 31, no. 11 (2018): 4447–92. http://dx.doi.org/10.1093/rfs/hhy046.

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