Mengukur kinerja keuangan perbankan syariah pada masa pandemi pasca turun SK/Edaran POJK No.18/POJK.03/2020
Bibliographic record
Abstract
This research aims to determine the influence of mudharabah financing variables, productive asset quality and bank operational efficiency on financial performance (ROA), as well as the influence of financing risk as a moderating variable. This type of research is quantitative research with a population at seven Islamic commercial banks registered with the Financial Services Authority (OJK), namely Bank BCA Syariah, Bank Syariah Bukopin, Bank Bank Muamalat Indonesia, Bank Panin Dubai Syariah, Bank Victoria Syariah, Bank Mega Syariah and Bank Jabar Banten Syariah in the pandemic era of 2020 and 2021 using quarterly data starting from the second quarter of 2020 to the third quarter of 2021. The method used in this research is Moderated Regression Analysis (MRA). This analysis shows that the mudharabah financing variable hurts return on assets. The quality of productive assets has a positive effect on return on assets. The operational efficiency ratio hurts return on assets. Non-performing finance can moderate mudharabah financing, productive asset quality, and the operational efficiency ratio of return on assets.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.001 | 0.001 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.001 | 0.001 |
| Science and technology studies | 0.001 | 0.000 |
| Scholarly communication | 0.002 | 0.001 |
| Open science | 0.000 | 0.001 |
| Research integrity | 0.000 | 0.001 |
| Insufficient payload (model declined to judge) | 0.027 | 0.006 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".