{"id":"https://openalex.org/W7225013131","doi":"https://doi.org/10.32505/jim.v8i2.14913","title":"Determinasi Kinerja Keuangan Bank Umum Syariah: KAP, FDR, dan NPF Periode 2019-2024","display_name":"Determinasi Kinerja Keuangan Bank Umum Syariah: KAP, FDR, dan NPF Periode 2019-2024","publication_year":2026,"publication_date":"2026-10-31","ids":{"openalex":"https://openalex.org/W7225013131","doi":"https://doi.org/10.32505/jim.v8i2.14913"},"language":"en","primary_location":{"id":"doi:10.32505/jim.v8i2.14913","doi":"https://doi.org/10.32505/jim.v8i2.14913","is_oa":true,"landing_page_url":"https://doi.org/10.32505/jim.v8i2.14913","pdf_url":"https://journal.iainlangsa.ac.id/index.php/jim/article/download/14913/5306","source":{"id":"https://openalex.org/S4387279982","display_name":"JIM Jurnal Ilmiah Mahasiswa","issn_l":"2797-6920","issn":["2797-6920","2797-7064"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I4405259220","host_organization_name":"Institut Agama Islam Negeri Langsa","host_organization_lineage":["https://openalex.org/I4405259220"],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"JIM: Jurnal Ilmiah Mahasiswa","raw_type":"journal-article"},"volume":null,"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://journal.iainlangsa.ac.id/index.php/jim/article/download/14913/5306","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5160266038","display_name":"Raditia Pratama","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4405259220","display_name":"Institut Agama Islam Negeri Langsa","ror":"https://ror.org/01y0ezr68","country_code":"ID","type":"education","lineage":["https://openalex.org/I4405259220"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Raditia Pratama","raw_affiliation_strings":["IAIN Langsa"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"IAIN Langsa","institution_ids":["https://openalex.org/I4405259220"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5085972171","display_name":"Rafiza Zuliani","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4405259220","display_name":"Institut Agama Islam Negeri Langsa","ror":"https://ror.org/01y0ezr68","country_code":"ID","type":"education","lineage":["https://openalex.org/I4405259220"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Rafiza Zuliani","raw_affiliation_strings":["IAIN Langsa"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"IAIN Langsa","institution_ids":["https://openalex.org/I4405259220"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5082737111","display_name":"Khairatun Hisan","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4405259220","display_name":"Institut Agama Islam Negeri Langsa","ror":"https://ror.org/01y0ezr68","country_code":"ID","type":"education","lineage":["https://openalex.org/I4405259220"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Khairatun Hisan","raw_affiliation_strings":["IAIN Langsa"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"IAIN Langsa","institution_ids":["https://openalex.org/I4405259220"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I4405259220"],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.90656654,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":null,"biblio":{"volume":"8","issue":"2","first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11365","display_name":"Islamic Finance and Banking Studies","score":0.9984999895095825,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11365","display_name":"Islamic Finance and Banking Studies","score":0.9984999895095825,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14183","display_name":"Banking Sector Performance and Management","score":0.0006000000284984708,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.00019999999494757503,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/islamic-commercial-banks","display_name":"Islamic commercial banks","score":0.949999988079071},{"id":"https://openalex.org/keywords/financial-performance","display_name":"financial performance","score":0.7300000190734863},{"id":"https://openalex.org/keywords/return-on-assets","display_name":"return on assets","score":0.8920000195503235},{"id":"https://openalex.org/keywords/productive-asset-quality","display_name":"productive asset quality","score":0.9729999899864197},{"id":"https://openalex.org/keywords/loan-to-deposit-ratio","display_name":"loan to deposit ratio","score":0.9959999918937683},{"id":"https://openalex.org/keywords/non-performing-financing","display_name":"non-performing financing","score":1.0},{"id":"https://openalex.org/keywords/financing-management","display_name":"financing management","score":0.5899999737739563},{"id":"https://openalex.org/keywords/bank-profitability","display_name":"bank profitability","score":0.6389999985694885},{"id":"https://openalex.org/keywords/islamic-banking-in-indonesia","display_name":"Islamic banking in Indonesia","score":0.8090000152587891}],"concepts":[{"id":"https://openalex.org/C129361004","wikidata":"https://www.wikidata.org/wiki/Q2470236","display_name":"Profitability index","level":2,"score":0.6624000072479248},{"id":"https://openalex.org/C6422946","wikidata":"https://www.wikidata.org/wiki/Q857354","display_name":"Panel data","level":2,"score":0.6367999911308289},{"id":"https://openalex.org/C185669311","wikidata":"https://www.wikidata.org/wiki/Q1163221","display_name":"Return on assets","level":3,"score":0.6018000245094299},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5663999915122986},{"id":"https://openalex.org/C76178495","wikidata":"https://www.wikidata.org/wiki/Q4808784","display_name":"Asset (computer security)","level":2,"score":0.4772999882698059},{"id":"https://openalex.org/C2779338949","wikidata":"https://www.wikidata.org/wiki/Q4808812","display_name":"Asset quality","level":4,"score":0.4724999964237213},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.45509999990463257},{"id":"https://openalex.org/C2775924081","wikidata":"https://www.wikidata.org/wiki/Q55608371","display_name":"Control (management)","level":2,"score":0.4296000003814697},{"id":"https://openalex.org/C195487862","wikidata":"https://www.wikidata.org/wiki/Q850210","display_name":"Revenue","level":2,"score":0.41830000281333923},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.4099000096321106},{"id":"https://openalex.org/C98014903","wikidata":"https://www.wikidata.org/wiki/Q832161","display_name":"Financial ratio","level":2,"score":0.40860000252723694},{"id":"https://openalex.org/C4445939","wikidata":"https://www.wikidata.org/wiki/Q432","display_name":"Islam","level":2,"score":0.4050999879837036},{"id":"https://openalex.org/C2779530757","wikidata":"https://www.wikidata.org/wiki/Q1207505","display_name":"Quality (philosophy)","level":2,"score":0.38440001010894775},{"id":"https://openalex.org/C30472729","wikidata":"https://www.wikidata.org/wiki/Q955421","display_name":"Fixed asset","level":3,"score":0.36000001430511475},{"id":"https://openalex.org/C2776291640","wikidata":"https://www.wikidata.org/wiki/Q2912517","display_name":"Value (mathematics)","level":2,"score":0.3555000126361847},{"id":"https://openalex.org/C152877465","wikidata":"https://www.wikidata.org/wiki/Q208042","display_name":"Regression analysis","level":2,"score":0.3474000096321106},{"id":"https://openalex.org/C2993700298","wikidata":"https://www.wikidata.org/wiki/Q457753","display_name":"Islamic banking","level":3,"score":0.30790001153945923},{"id":"https://openalex.org/C506796395","wikidata":"https://www.wikidata.org/wiki/Q4738155","display_name":"Financial management","level":2,"score":0.2971999943256378},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.29660001397132874},{"id":"https://openalex.org/C2777747085","wikidata":"https://www.wikidata.org/wiki/Q5449743","display_name":"Financial sector development","level":3,"score":0.29260000586509705},{"id":"https://openalex.org/C155530773","wikidata":"https://www.wikidata.org/wiki/Q591174","display_name":"Return on equity","level":3,"score":0.2906000018119812},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.28369998931884766},{"id":"https://openalex.org/C2776517139","wikidata":"https://www.wikidata.org/wiki/Q873442","display_name":"Asset management","level":2,"score":0.28200000524520874},{"id":"https://openalex.org/C48921125","wikidata":"https://www.wikidata.org/wiki/Q10861030","display_name":"Linear regression","level":2,"score":0.27300000190734863},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.27160000801086426},{"id":"https://openalex.org/C2986840890","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial sector","level":2,"score":0.2678000032901764},{"id":"https://openalex.org/C44970651","wikidata":"https://www.wikidata.org/wiki/Q17014030","display_name":"Fixed effects model","level":3,"score":0.26600000262260437},{"id":"https://openalex.org/C2778964270","wikidata":"https://www.wikidata.org/wiki/Q7097774","display_name":"Operational efficiency","level":2,"score":0.259799987077713},{"id":"https://openalex.org/C198531522","wikidata":"https://www.wikidata.org/wiki/Q485146","display_name":"Sample (material)","level":2,"score":0.2583000063896179}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.32505/jim.v8i2.14913","doi":"https://doi.org/10.32505/jim.v8i2.14913","is_oa":true,"landing_page_url":"https://doi.org/10.32505/jim.v8i2.14913","pdf_url":"https://journal.iainlangsa.ac.id/index.php/jim/article/download/14913/5306","source":{"id":"https://openalex.org/S4387279982","display_name":"JIM Jurnal Ilmiah Mahasiswa","issn_l":"2797-6920","issn":["2797-6920","2797-7064"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I4405259220","host_organization_name":"Institut Agama Islam Negeri Langsa","host_organization_lineage":["https://openalex.org/I4405259220"],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"JIM: Jurnal Ilmiah Mahasiswa","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.32505/jim.v8i2.14913","doi":"https://doi.org/10.32505/jim.v8i2.14913","is_oa":true,"landing_page_url":"https://doi.org/10.32505/jim.v8i2.14913","pdf_url":"https://journal.iainlangsa.ac.id/index.php/jim/article/download/14913/5306","source":{"id":"https://openalex.org/S4387279982","display_name":"JIM Jurnal Ilmiah Mahasiswa","issn_l":"2797-6920","issn":["2797-6920","2797-7064"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I4405259220","host_organization_name":"Institut Agama Islam Negeri Langsa","host_organization_lineage":["https://openalex.org/I4405259220"],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"JIM: Jurnal Ilmiah Mahasiswa","raw_type":"journal-article"},"sustainable_development_goals":[{"display_name":"Decent work and economic growth","id":"https://metadata.un.org/sdg/8","score":0.7257999777793884}],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7225013131.pdf","grobid_xml":"https://content.openalex.org/works/W7225013131.grobid-xml"},"referenced_works_count":4,"referenced_works":["https://openalex.org/W2912917985","https://openalex.org/W4286332791","https://openalex.org/W4317629863","https://openalex.org/W4386005647"],"related_works":["https://openalex.org/W7219734016","https://openalex.org/W2589158286","https://openalex.org/W3047561081","https://openalex.org/W4411528341","https://openalex.org/W2563760074","https://openalex.org/W4389196641","https://openalex.org/W4308320776","https://openalex.org/W3022408203","https://openalex.org/W4409615852","https://openalex.org/W7166803233"],"abstract_inverted_index":{"The":[0,87,120],"Islamic":[1,51,77,161],"banking":[2],"sector":[3],"in":[4,21,54,132,156],"Indonesia":[5],"has":[6,101,106,113],"continued":[7],"to":[8,19,28,38],"show":[9],"positive":[10,108],"growth;":[11],"however,":[12],"financial":[13,23,48],"performance":[14,49],"still":[15],"faces":[16],"challenges":[17],"due":[18],"fluctuations":[20],"key":[22],"ratios.":[24],"This":[25],"study":[26],"aims":[27],"examine":[29],"the":[30,47,63,82,130,144,158],"effect":[31,117],"of":[32,50,124,129,146,153,160],"Productive":[33],"Asset":[34],"Quality":[35],"(KAP),":[36],"Financing":[37,44],"Deposit":[39],"Ratio":[40],"(FDR),":[41],"and":[42,94,150],"Non-Performing":[43],"(NPF)":[45],"on":[46,59,118],"Commercial":[52,78],"Banks":[53,79],"Indonesia,":[55],"measured":[56],"by":[57,136],"Return":[58],"Assets":[60],"(ROA)":[61],"during":[62],"2019\u20132024":[64],"period.":[65],"A":[66],"quantitative":[67],"approach":[68],"with":[69,81],"panel":[70],"data":[71],"regression":[72],"was":[73],"applied,":[74],"involving":[75],"12":[76],"registered":[80],"Financial":[83],"Services":[84],"Authority":[85],"(OJK).":[86],"results":[88],"reveal":[89],"that":[90,127],"simultaneously,":[91],"KAP,":[92],"FDR,":[93],"NPF":[95,112],"significantly":[96],"influence":[97],"ROA.":[98,119],"Partially,":[99],"KAP":[100],"no":[102],"significant":[103,109,116],"effect,":[104,110],"FDR":[105],"a":[107,114],"while":[111],"negative":[115],"adjusted":[121],"R\u00b2":[122],"value":[123],"12.70%":[125],"indicates":[126],"most":[128],"variation":[131],"ROA":[133],"is":[134],"influenced":[135],"factors":[137],"outside":[138],"this":[139],"study.":[140],"These":[141],"findings":[142],"highlight":[143],"importance":[145],"effective":[147],"financing":[148,155],"management":[149],"strict":[151],"control":[152],"non-performing":[154],"sustaining":[157],"profitability":[159],"banks.":[162]},"counts_by_year":[],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2026-11-01T00:00:00"}
