Daffa Aulia Ramadhan
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Analisis Pengaruh Rasio Keuangan terhadap Profitabilitas Bank Syariah di Indonesia (Studi Kasus Bank BCA Syariah Periode 2013-2022) Daffa Aulia Ramadhan; Mushtofa, Muhammad Wakhid
At-Taradhi Jurnal Studi Ekonomi Vol 15 No 1 (2024): At-Taradhi: Jurnal Studi Ekonomi
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/taradhi.v15i1.12692

Abstract

According to Forbes, Bank BCA Syariah will be among the top 10 banks in Indonesia by 2022. This study aims to ascertain how financial ratios affect Bank BCA Syariah's profitability in Indonesia. Economic parameters, including the Return on Asset (ROA), Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Operating Expenses to Operating Income (BOPO), and Financing to Deposit Ratio (FDR), were utilized in this study. Annual time series data for the years 2013 through 2022 are employed, and they are subjected to multiple linear regression using e-views. According to the findings, CAR, NPF, and only BOPO negatively impact ROA, whereas FDR has no appreciable impact. Bank BCA Syariah adalah salah satu dari sepuluh bank terbaik di Indonesia pada tahun ini 2022 versi Forbes. Studi ini bertujuan untuk menentukan bagaimana rasio keuangan berdampak pada profitabilitas Bank BCA Syariah di Indonesia. Dalam penelitian ini, rasio keuangan seperti Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Beban Operasional terhadap Pendapatan Operasional (BOPO), dan Return on Asset (ROA) digunakan. Data yang digunakan adalah data time series annual periode 2013-2022 yang dianalisis dengan regresi linier berganda menggunakan E-Views. Hasil penelitian menunjukkan bahwa variabel CAR, NPF dan FDR tidak mempengaruhi ROA. Hanya variabel BOPO yang berpengaruh negatif terhadap ROA.