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Mariyatul Qibtiyah, Nanda
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Faktor-Faktor Yang Mempengaruhi Profitabilitas Bank Syariah Di Indonesia : Model Regresi Linear Firdaus, Salsabila; Khoirunjannah, Dita; Mariyatul Qibtiyah, Nanda
Cashless : Journal of Sharia Finance and Banking Vol. 3 No. 1 (2025): Cashless : Journal of Sharia Finance and Banking (April)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/cashless.v3i1.1160

Abstract

Operational risk is closely related to various issues arising from process weaknesses. This risk significantly impacts both the financial and non-financial aspects of Islamic banking profitability. This study employs a quantitative approach with multiple regression analysis to explore the effects of Capital Adequacy Ratio (CAR), Third-Party Funds (DPK), and Financing to Deposit Ratio (FDR) on Return on Assets (ROA) in Indonesian Islamic banks. The analysis reveals that CAR has a positive and significant impact on ROA, with a beta coefficient of 1.130 and a significance value of 0.007. Conversely, DPK and FDR exhibit no significant effects on ROA. These findings highlight the critical role of capital management in supporting the profitability of Islamic banks.