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All Journal Jurnal Ilmiah Edunomika (JIE) Wadiah: Jurnal Perbankan Syariah
Achmad Raihan Rafli
Universitas Negeri Surabaya
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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ANALISIS STABILITAS KEUANGAN BANK SYARIAH: PENGARUH CAPITAL ADEQUACY RATIO (CAR), NON-PERFORMING FINANCING (NPF), DAN FINANCING TO DEPOSITE RATIO (FDR) TERHADAP PROFITABILITAS BANK MUAMALAT INDONESIA PERIODE 2013-2024 Ahmad Masyaril Fuadi; Achmad Raihan Rafli; Rizka Mauliddiana; Arya Ramadhani; Khusnul Fikriyah
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 4 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v9i4.18650

Abstract

This research examines the financial stability of Bank Muamalat Indonesia by analyzing the impact of the CAR, NPF, and FDR on the bank’s profitability, as measured by Return on Assets (ROA), over the 2013–2024 period. Employing a quantitative design with an associative causal framework, the study analyzes 48 quarterly observations derived from the formal financial reports of Bank Muamalat and the OJK. The dataset was processed using multiple linear regression supported by classical assumption diagnostics. Empirical findings reveal that CAR, NPF, and FDR jointly exert a significant impact on ROA, explaining 83% of the variation in profitability. On an individual level, CAR shows a positive yet statistically insignificant relationship with ROA, implying that adequate capital alone does not guarantee enhanced returns without efficient asset deployment. Conversely, NPF and FDR exhibit significant negative effects, indicating that rising credit risk and suboptimal fund allocation undermine profitability. These results highlight the necessity for Islamic banks to strengthen capital management, enforce prudent financing policies, and optimize liquidity strategies to sustain financial stability.
Stabilitas Bank Syariah Vs Bank Konvensional: Mana Yang Lebih Tangguh? Achmad Raihan Rafli; Aufar Fadlul Hady; Rachma Indrarini; Arva Athallah Susanto
WADIAH Vol. 10 No. 2 (2026): Wadiah: Jurnal Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Syekh Wasil Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v10i2.2998

Abstract

This study analyzes the comparison of stability between Islamic banks and conventional banks in Indonesia using the financial indicators CAR, NPF, FDR, and ROA for the period 2019-2024. This period was chosen because it is crucial for the banking sector. The approach used is a quantitative method using secondary data from the banks' annual financial statements. The sample was determined by targeted selection, resulting in 11 Islamic banks and 14 conventional banks being selected. The analysis was performed using a descriptive statistical approach and the Mann-Whitney test. The results show that Islamic banks are superior in terms of CAR and ROA, indicating better capital strength and profitability. However, conventional banks are superior in terms of NPF. In terms of liquidity, both types of banks are relatively balanced. The Mann-Whitney test confirmed significant differences in the CAR variable, but not in NPF, FDR, and ROA. These results have practical implications for bank management to strengthen risk management strategies. In addition, the research findings can serve as a reference for regulators and other stakeholders to formulate adaptive supervisory policies to maintain national financial stability.
Co-Authors Ahmad Masyaril Fuadi Arva Athallah Susanto Arya Ramadhani Aufar Fadlul Hady Fikriyah, Khusnul Rachma Indrarini Rizka Mauliddiana