Examining the Effect of Third-Party Funding and Non-Performing Loan on Syariah Banking Financing: Moderating Role of Profitability

Today, the expansion of the Sharia banking industry has shown sustained development over time, indicating satisfactory growth and enhancement, particularly in asset accumulation. Profitability moderates the relationship between third-party funds and non-performing financing on financing in Sharia banking (a case study of all Sharia commercial banks for 2018-2022). This study determines the influence of Third-Party Funds (DPK) and non-performing Financing (NPF) on financing with profitability as a moderating variable. This research uses a type of research, namely quantitative research using Moderated Regression Analysis (MRA). The samples used were 10 banks. The analytical tool used is multiple linear analysis using the EVIEWS application. Research results show that third-party funds have no effect on financing at Sharia Commercial Banks, non-performing financing has no effect on financing at Sharia Commercial Banks, and profitability cannot moderate third-party funds and non-performing financing on financing at Sharia Commercial Banks.