Melani, Jhenisa (2025) Pengaruh Penyaluran Pembiayaan Terhadap Return On Assets (roa) Dan Non Performing Financing (npf) Sebagai Variabel Mediasi Pada Bank Umum Syariah (bus) Periode 2018-2023. Other thesis, Universitas Islam Riau.

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Abstract

The main activity of Islamic banking is collecting and distributing funds. Funds collected from customers are then distributed back to customers. This study aims to determine the effect of Financing Distribution on Return On Assets (ROA) and Non Performing Financing (NPF) as mediating variables in Islamic Commercial Banks (BUS) for the period 2018-2023. This study is a quantitative study using secondary data in the form of annual time series data of Islamic commercial banks in Indonesia including Return On Assets (ROA), Non Performing Financing (NPF), and Financing To Deposit Ratio (FDR) obtained from the Financial Services Authority website. The sampling technique in this study used purposive sampling. The number of samples collected was 70 samples. The method in this study uses descriptive analysis and several types of evaluations with the help of the SmartPLS 3.0 program (partial Least Squares). The results of this study concluded that the distribution of financing as measured by the Financing To Deposit Ratio (FDR) ratio has a significant positive effect on Non Performing Financing (NPF), Financing To Deposit Ratio (FDR) has a positive but insignificant effect on Return On Assets (ROA). Non Performing Financing (NPF) has an insignificant negative effect on Return On Assets (ROA). Then Non Performing Financing (NPF) cannot mediate the relationship between Financing To Deposit Ratio (FDR) and Return On Assets (ROA).

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