Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Financing (NPF) Terhadap Return On Asset (ROA) Pada Studi Kasus Bank Syariah Indonesia KC. Rantau Prapat

Fadila Yaumil Hasanah (Universitas Islam Negeri Sumatera Utara)
M. Lathief Ilhamy Nst (Universitas Islam Negeri Sumatera Utara)

Jurnal Ilmiah Ekonomi Islam
Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023

This research is motivated by the internal and external factors of Bank Syariah Indonesia (BSI) Rantau Prapat, where bank management must be capable of capital resources and efforts to earn income from operational costs that have been properly spent, but there are still discrepancies in analyzing the financing that will be given to customers, so it will most likely affect Return On The assets of the bank itself. If the Return On Assets is greater, then the profit will also be higher for a bank, so that financial performance goes well. If financial performance is carried out well, then the bank can also be said to be healthy. The indicators used in this study are CAR and NPF as measured by ROA. This study uses a quantitative approach, the type of research used is associative. The data used in this study is secondary data obtained from the quarterly financial reports of Bank Syariah Indonesia (BSI) with a total sample of 20 data. The analytical method used in this study used SPSS version 23. The results showed that (1) CAR has a partially significant positive effect on ROA. (2) NPF has a partially significant positive effect on ROA (3) Simultaneously CAR and NPF have a significant positive effect on ROA.