ABSTRAK

Siti Rahmah, 1810412120005, 2024. Pengaruh Capital Adequacy Ratio (CAR), Dana Pihak Ketiga (DPK), Financing to Deposit Ratio (FDR), dan Non Performing Financing (NPF) Terhadap Return On Asset (ROA) Pada Bank Umum Syariah Indonesia Periode 2015-2020, di bawah bimbingan: Prof.Dr. Saladin Ghalib, MA

Capital Adequacy Ratio (CAR) dan Dana Pihak Ketiga (DPK) merupakan faktor permodalan bagi sebuah bank yang berfungsi untuk mengcover risiko akibat  kerugian Bank, dan sebagai pendukung aktivitas penyaluran dana pinjaman dibank, Financing to Deposit Ratio (FDR) merupakan Faktor Pembiayaan yang digunakan sebagai tolak ukur kebehasilan suatu bank dalam menghasilkan Return On Asset (ROA), sedangkan Non Performing Financing (NPF) adalah rasio dari Pembiayaan bermasalah yang berdampak kepada Return On Asset (ROA).

Lokasi Penelitian yang dipilih pada Bank Umum Syariah Indonesia yang terdaftar di Otoritas Jasa Keuangan (OJK) sebanyak 30 laporan keuangan dalam periode 2015-2020, jumlah penduduk umat islam dan perkembangan market share perbankan syariah Indonesia yang tertinggal dibandingkan perbankan konvensional adalah alasan mengapa penelitian ini diteliti. Laporan keuangan digunakan untuk pengumpulan data dan regresi linier berganda digunakan untuk menguji hipotesis.

Hasil penelitian menunjukkan bahwa Capital Adequacy Ratio (CAR), Dana Pihak Ketiga (DPK), dan Financing to Deposit Ratio (FDR) tidak berpengaruh signifikan terhadap Return On Asset (ROA), dan Non Performing Financing (NPF) berpengaruh negatif signifikan terhadap Return On Asset (ROA).

Kata Kunci: CAR, DPK, FDR, NPF, dan ROA

ABSTRACT

Siti Rahmah, 1810412120005, 2024. The Effect of Capital Adequacy Ratio (CAR), Third Party Funds (DPK), Financing to Deposit Ratio (FDR), and Non Performing Financing (NPF) on Return On Asset (ROA) at Indonesian Sharia Commercial Banks Period 2015-2020, under the guidance of: Prof.Dr. Saladin Ghalib, M.A

Capital Adequacy Ratio (CAR) and Third Party Funds (DPK) are capital factors for a bank that function to cover risks due to bank losses, and as supporting activities for channeling bank loans, Financing to Deposit Ratio (FDR) is a financing factor that is used as a a benchmark for the success of a bank in generating Return On Asset (ROA), while Non Performing Financing (NPF) is the ratio of problem financing that has an impact on Return On Assets (ROA).

The selected research location was Indonesian Islamic Commercial Banks registered with the Financial Services Authority (OJK) of 30 financial reports in the 2015-2020 period, the Muslim population and the development of Indonesian Islamic banking market share which lagged behind conventional banking were the reasons why this research was investigated. Financial statements were used for data collection and multiple linear regression was used to test the hypotheses.

The results showed that the Capital Adequacy Ratio (CAR), Third Party Funds (DPK), and Financing to Deposit Ratio (FDR) had no significant effect on  Return On Asset (ROA), and Non Performing Financing (NPF) had a significant negative effect on Return On Asset(ROA).

Keywords: CAR, DPK, FDR, NPF, and ROA