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Hareastoma Hareastoma
Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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Pengaruh Biaya Operasional – Pendapatan Operasional dan Capital Adequacy Ratio terhadap Profitabilitas Bank Umum Syariah di Indonesia Periode 2020 – 2024 Maya Lisdiana; Addiarrahman Addiarrahman; Hareastoma Hareastoma
Tasyri' : Jurnal Muamalah dan Ekonomi Syariah Vol. 8 No. 1 (2026): Tasyri: Jurnal Muamalah dan Ekonomi Syariah
Publisher : Fakultas Hukum dan Ekonomi Syariah Institut Agama Islam Pangeran Dharma Kusuma Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55656/tjmes.v8i1.776

Abstract

Profitability is an important indicator in assessing the performance of Islamic Commercial Banks. The level of profitability is influenced by various factors, including operational efficiency and capital adequacy. This study aims to analyze the effect of Operating Costs to Operating Income (BOPO) and the Capital Adequacy Ratio (CAR) on profitability, proxied by Return on Assets (ROA), at Islamic Commercial Banks in Indonesia for the period 2020–2024. This study uses a quantitative approach with secondary data obtained from the annual financial reports of Islamic Commercial Banks published by the Financial Services Authority (OJK) and the official websites of each bank. Data analysis was conducted using a panel data regression method with the assistance of the EViews 14 program. The results show that BOPO and CAR have a positive and significant effect on the profitability of Islamic Commercial Banks. Together, these two variables also have a significant effect on ROA. These findings indicate that good operational management and adequate capital adequacy can support increased bank profitability. Based on the results of the study, Islamic Commercial Banks are advised to continue to improve operational efficiency and maintain capital adequacy levels so that profitability performance can be continuously improved. In addition, further research is expected to add other variables that have the potential to influence bank profitability.
Co-Authors Addiarrahman Addiarrahman Maya Lisdiana