The purpose of this study is to examine the effect of Capital Adequacy Ratio (CAR), Non-Performing Finance (NPF), Operating Costs to Operating Income (BOPO), and Return On Assets (ROA) in Islamic Commercial Banks in Indonesia in 2016 -2020. This research uses 13 companies registered with the Financial Services Authority (OJK) from 2016 -2020. Data were processed using Eviews 10. The results of this study show that partial Capital Adequacy Ratio (CAR) has no positive effect on Return On Assets (ROA), Non-Performing Finance (NPF) has no positive impact on Return On Assets (ROA), Operational Costs on Operating Income (BOPO) has a positive effect on Return On Assets (ROA), and Finance to Deposit Ratio (FDR) has no positive impact on Return On Assets (ROA). And simultaneously, Capital Adequacy Ratio (CAR), Non-Performing Finance (NPF), Operating Expenses to Operating Income (BOPO), and Finance to Deposit Ratio (FDR) all have a positive effect on Return on Assets (ROA).
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