Research Horizon
Vol. 5 No. 2 (2025): Research Horizon - April 2025

Non-Performing Financing Syariah: A Paradigm Analysis of Capital Adequacy Ratio and Finance to Deposit Ratio

Lifinda Ayuning Putri , Intan (Unknown)
Jazuli , A Muhamad (Unknown)
Aji , Suseno (Unknown)

Article Info

Publish Date
08 Apr 2025

Abstract

This study aims to examine the effect of Capital Adequacy Ratio (CAR) and Finance to Deposit Ratio (FDR) on Non-Performing Financing (NPF) moderated by return on assets (ROA). The sample of this research is Islamic banking registered with the Financial Services Authority in 2019-2023. This study uses multiple linear regression data analysis techniques with SPSS. The results showed that CAR has a positive effect on NPF while FDR has no effect on NPF. ROA only moderates the relationship between CAR and NPF. The results of this research can be a means of highlighting the effectiveness of NPF which can be improved through CAR and strengthened with ROA so that it can contribute to corporate banking as a whole.

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Journal Info
Research Horizon
Website

Abbrev

RH

Publisher

Lifescifi

Subject

Arts Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

Description

The journal aims to make significant contributions to applied research and knowledge across the globe through the publication of original and high-quality research articles. It publishes original research articles, reviews, mini-reviews, case reports, letters to the editor, and commentaries, thereby ...