SALE AND PURCHASE FINANCING AND PROFIT SHARING ON NON-PERFORMING FINANCING AND ITS IMPLICATIONS FOR THE FINANCIAL PERFORMANCE OF SHARIA PEOPLE'S CREDIT BANKS
Bibliographic record
Abstract
This study aims to examine the direct and indirect effects of Sale-Purchase Financing and Profit-Sharing on Non-Performing Financing and their implications for the financing performance of Bank Perkreditan Rakyat Syariah (BPRS) during the period 1 st quarter 2017 – 4th quarter 2021. Samples were taken using the Non Probability Sampling with purposive sampling method. The samples used in this study were 4 BPRS representing the sampling criteria determined by the author. The data that has been obtained is processed through the path analysis method with the analysis tool Eviews 12 and Microsoft Excel. The results of this study indicate that there is a direct effect between Profit-Sharing Financing ( ) on Non Performing Financing (Z), Sale-Purchase Financing ( ) on Return On Assets (ROA) (Y), and Non Performing Financing (Z) on Return On Assets (ROA) (Y). Meanwhile, profit sharing financing ( ) has an indirect effect on Return On Assets (ROA) (Y) through Non Performing Financing (Z).
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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 | 0.002 | 0.006 |
| 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 | 0.001 |
| Scholarly communication | 0.002 | 0.001 |
| Open science | 0.000 | 0.001 |
| Research integrity | 0.000 | 0.001 |
| Insufficient payload (model declined to judge) | 0.005 | 0.000 |
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".