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All Journal NISBAH: JURNAL PERBANKAN SYARIAH Ribhuna: Jurnal Keuangan dan Perbankan Syariah
Andika Saputra
Universitas Islam Negeri Raden Intan Lampung
Economics, Econometrics & Finance Other

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PENGARUH CAPITAL ADEQUACY RATIO, NON-PERFORMING FINANCING, DAN FINANCING TO DEPOSIT RATIO TERHADAP VULNERABILITY BANK UMUM SYARIAH DI INDONESIA TAHUN 2020–2024 Rafiustha Adi Kusuma; Muhammad Iqbal; Andika Saputra
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 5 No. 1 (2026): January 2026
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/by8mmg86

Abstract

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Financing to Deposit Ratio (FDR) on the vulnerability of Sharia commercial banks in Indonesia for the period 2020-2024. The main problem studied is the extent to which internal banking factors, especially capital, financing risk, and liquidity, affect the level of vulnerability (vulnerability) of the Islamic banking system as measured using the Z-score approach. This research occupies an important position in filling the gap of empirical studies on the financial stability of Islamic banking through a quantitative approach based on pooled time series (Pooled OLS) data using EViews 13 software. The method used is a quantitative approach with regression analysis techniques pooled time series data (pooled OLS) using software EViews 13. The results showed that CAR and NPF had a positive but not significant effect on vulnerability, while FDR had a negative and significant effect. Simultaneously, the three variables significantly affect the vulnerability of Islamic banks. This result confirms that the stability of Islamic banking is influenced by a combination of capital strength, financing quality, and intermediation efficiency in maintaining financial resilience in accordance with Islamic economic principles.  Keywords : Capital Adequacy Ratio, Non-Performing Financing, Financing to Deposit Ratio, Vulnerability, Islamic Banking
PENGARUH ISLAMIC FINANCING TO TOTAL ASSETS RATIO, CAPITAL ADEQUACY RATIO, DAN SHARIA SUPERVISORY BOARD TERHADAP KINERJA KEUANGAN BANK MUAMALAT INDONESIA DENGAN PEMBIAYAAN SEBAGAI VARIABEL MODERASI PERIODE 2015–2024 Diana Puspita Sari; A Zuliyansyah; Andika Saputra
NISBAH: Jurnal Perbankan Syariah Vol. 12 No. 1 (2026): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v12i1.24719

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Islamic Financing to Total Assets Ratio, Capital Adequacy Ratio , dan Sharia Supervisory Board terhadap kinerja keuangan yang diproksikan dengan Return on Assets, serta menguji peran pembiayaan sebagai variabel moderasi. Penelitian9ini menggunakan9pendekatan kuantitatif9dengan data9sekunder berupa laporan9keuangan tahunan9Bank Muamalat Indonesia9selama periode92015–2024. Teknik analisis yang diterapkan meliputi regresi linier berganda serta Moderated9Regression Analysis (MRA) dengan dukungan dari perangkat9lunak EViews. Hasil9penelitian ini mengungkapkan bahwa secara parsial variabel Islamic Financing to Total Assets Ratio dan Capital Adequacy Ratio memberikan pengaruh positif terhadap Return on Assets. Sementara itu, variabel Sharia Supervisory Board tidak menunjukkan adanya pengaruh terhadap kinerja keuangan. Secara simultan, seluruh variabel independen mampu menjelaskan variasi kinerja keuangan dengan cukup baik. Namun, berdasarkan hasil pengujian moderasi, variabel pembiayaan tidak terbukti mampu memperkuat maupun memperlemah hubungan antara Islamic Financing to Total Assets Ratio, Capital Adequacy Ratio, dan Sharia Supervisory Board terhadap Return on Assets. Temuan ini menunjukkan bahwa dalam konteks perbankan syariah, pembiayaan lebih berfungsi sebagai kegiatan operasional inti daripada sebagai variabel moderating. Implikasi dari penelitian ini menegaskan bahwa upaya peningkatan kinerja keuangan bank syariah dapat dilakukan melalui optimalisasi distribusi pembiayaan, penguatan struktur modal, serta peningkatan kualitas pengawasan syariah secara berkesinambungan.
Co-Authors A Zuliyansyah Diana Puspita Sari Iqbal, Muhammad Rafiustha Adi Kusuma