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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Ilmiah Edunomika (JIE)
Arya Ramadhani
Universitas Negeri Surabaya
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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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.
Determinants of Islamic Banks' Financial Performance in ASEAN Countries Arya Ramadhani; Aufar Fadlul Hady; Fira Nurafini
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 2 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i2.19355

Abstract

This study aims to examine the determinants of Islamic banks’ financial performance in selected ASEAN countries, namely Indonesia, Malaysia, Thailand, and Brunei Darussalam. The financial performance of Islamic banks is assessed using ROA, with important explanatory variables including the CAR, NPF, and FDR. This study takes a quantitative approach, using secondary data from Islamic banks' annual financial reports for the period 2020 – 2024. The data are evaluated using panel data regression, and model selection is conducted using the Chow test, Hausman test, and Lagrange multiplier test, which indicate that the Random Effects Model (REM) is the most appropriate estimation approach. The results show that CAR has a positive and significant effect on the financial performance of Islamic banks, whereas NPF and FDR have negative and positive coefficients, respectively, but do not show a significant effect on ROA. These results indicate that capital adequacy mainly drives the financial performance of Islamic banks in ASEAN, whereas credit risk and liquidity levels have little effect on profitability. This could be because of the risk-sharing nature inherent in Islamic banking practices.
Co-Authors Achmad Raihan Rafli Ahmad Masyaril Fuadi Aufar Fadlul Hady Fikriyah, Khusnul Fira Nurafini Rizka Mauliddiana