Wadiah: Jurnal Perbankan Syariah
Vol. 10 No. 2 (2026): Wadiah: Jurnal Perbankan Syariah

Pengaruh CAR, NPF, BOPO, ROA, Dan FDR Terhadap Pembiayaan Murabahah Pada Bank Umum Syariah Yang Terdaftar Di OJK Periode 2021-2024

Prasetia Adiputra (Universitas Ciputra Surabaya)
Cliff Kohardinata (Universitas Ciputra Surabaya)



Article Info

Publish Date
20 Jul 2026

Abstract

Indonesia is a significant player in global Islamic finance, yet the growth of its Islamic banking market share still lags behind conventional banking. While Murabahah financing was previously dominant in Indonesian Islamic banking, it has fallen below Musyarakah financing in the last two years, raising questions about its impact on Islamic bank performance. This study examines the relationship between the financial health of Islamic Commercial Banks (BUS), assessed using the CAMEL analysis (Capital, Asset, Management, Earning, Liquidity), and Murabahah Financing in Indonesia, analyzing data from OJK-registered BUS from 2021-2024. The independent variables include Capital Adequacy Ratio (CAR), Nett Performance Financing (NPF), Operating Expenses to Operating Income (BOPO), Return on Asset (ROA), and Financing to Deposit Ratio (FDR), with Murabahah Financing as the dependent variable. Using quantitative regression analysis, the research found that CAR, NPF, BOPO, and ROA significantly influence Murabahah Financing, while FDR does not.

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Journal Info

Abbrev

wadiah

Publisher

Subject

Description

Wadiah: Jurnal Perbankan Syariah is an research journal in the scope of Islamic Banking published by Fakultas Ekonomi dan Bisnis Islam, UIN Syekh Wasil Kediri. This academic journal serves as a platform for scholarly discussions in Islamic banking studies, following a rigorous peer-review process. ...