ANALISIS PENGARUH CAR, NPF, FDR, DAN BOPO TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA

Authors

  • Uswatun Khasanah Universitas Ahmad Dahlan
  • Indanazulfa Qurrota A'yun Universitas Ahmad Dahlan
  • Muhammad Anif Afandi Universitas Muhammadiyah Metro
  • Silvya Shinta Maestri Universitas Ahmad Dahlan

DOI:

https://doi.org/10.24127/jm.v16i2.1139

Abstract

Penelitian ini bertujuan untuk menguji pengaruh Capital Adequcy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) dan Biaya Operasional Pendapatan Operasional (BOPO) secara simultan dan parsial terhadap Profitabilitas yang diproksikan dengan rasio Return on Asset (ROA) pada 5 Bank Umum Syariah di Indonesia periode 2015Q1-2020Q4. Dengan menggunakan teknik pengolahan dan analisis data berupa regresi data panel, hasil penelitian menunjukkan bahwa secara simultan variabel independen CAR, NPF, FDR, dan BOPO berpengaruh signifikan terhadap profitabilitas (ROA). Secara parsial variabel CAR berpengaruh negatif dan tidak signifikan terhadap profitabilitas (ROA). Variabel NPF secara parsial berpengaruh positif dan tidak signifikan terhadap profitabilitas (ROA). Variabel FDR secara parsial berpengaruh positif dan signifikan terhadap profitabilitas (ROA). Variabel BOPO secara parsial berpegaruh negatif dan signifikan terhadap profitabilitas (ROA).

Kata kunci: CAR, NPF, FDR, BOPO, ROA

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Published

2022-11-29

Issue

Vol. 16 No. 2 (2022): November

Section

Articles

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