Pengaruh CAR, FDR, dan BOPO Terhadap ROA pada Studi kasus BCA Syariah periode (Tahun 2018 – 2022)
Abstract
The purpose of this research is to determine the extent to which the capital adequacy ratio (CAR), Financing to Deposit Ratio (FDR), and the operational expense ratio (BOPO) have an effect on the profitability of BCA Syariah. The return on invested capital (ROA) is the metric that is used to analyse these elements. In terms of methodology, the research is quantitative. This information is included in the yearly report for 2018-2022 that is provided by BCA Syariah. A thorough selection was made for the sample. A multiple linear regression analysis was used in this investigation, and the statistical software tool IBM SPSS version 23 was utilised for the analysis. According to the findings of the multiple linear regression analysis, the independent variables CAR, FDR, and BOPO were able to explain the dependent variable ROA concurrently. This was the case all three variables individually. The correlation between the variable FDR and ROA is positive, although it is not statistically significant. When it comes to ROA, both the CAR factor and the BOPO factor have a counterproductive effect.
Keywords
References
Almunawwaroh, Medina, and Rina Marliana, ‘Pengaruh Car,Npf Dan Fdr Terhadap Profitabilitas Bank Syariah Di Indonesia’, Amwaluna: Jurnal Ekonomi Dan Keuangan Syariah, 2.1 (2018), 1–17
Authors, For, ‘Article Information ’:, 2012
Ayu, Riska, Dwi Ardila, Fitrian Aprilianto, and Atut Frida, ‘Journal of Islamic Economics Development and Pengaruh Rasio CAMEL Terhadap Tingkat Profitabilitas ( ROA ) Pada Bank Umum Syariah Periode 2012-2021’, 2023, 135–50
Elbadry, Ahmed, ‘Jurnal Riset Akuntansi Dan Bisnis Islam Stabilitas Keuangan Dan Manajemen Risiko Bank’, 2018
Fursiana, Mila, Salma Musfiroh, Maratush Shalihah, and Titik Hinawati, ‘Pengaruh Dpk, Npf, Fdr, Car Dan Bopo Terhadap Profitabilitas (Roa) Pada Bank Bri Syariah’, Jurnal Akuntansi, Manajemen & Perbankan Syariah, 2.4 (2022), 116–32
Hanafia, Fifi, and Abdul Karim, ‘Analisis CAR, BOPO, NPF, FDR, NOM, Dan DPK Terhadap Profitabilitas (ROA) Pada Bank Syari’ah Di Indonesia’, Target : Jurnal Manajemen Bisnis, 2.1 (2020), 36–46
Ismadi, and Zulfa Irawati, ‘Analisis Pengaruh Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Non Performing Loan (NPL), Biaya Operasional Terhadap Pendapatan Operasional (BOPO), Loan to Deposit Ratio (LDR) Dan Size Terhadap Profitabilitas (Studi Kasus Pada Perusahaan P’, The 10th University Research Colloqium 2019 Sekolah Tinggi Ilmu Kesehatan Muhammadiyah Gombong, 10, 2019, 55–68
Mursidah, Silmi, and Juliana Nasution, ‘Analisis Penyajian Laporan Keuangan Berdasarkan SAK-ETAP Pada Koperasi Tunas Wira Mandiri’, Pendidikan Tambusai, 6.1 (2022), 4044–50
Nor Lailina Ulfa, Iqbal Rafiqi, ‘Pengaruh Fee Based Income Terhadap Return on Asset (ROA) Di PT. Bank Syariah Mandiri’, Al-Ulum, 9.3 (2022), 336–47
Purnama, Yulia, ‘Analisis Penilaian Tingkat Kesehatan Pada Bank Central Asia (BCA) Syariah Berdasarkan Metode Camel (Studi Kasus Pada PT Bank BCA Syariah Periode 2015-2019)’, EKSISBANK: Ekonomi Syariah Dan Bisnis Perbankan, 6.1 (2022), 90–108
Rafiqi, Iqbal, and Annisa, ‘Determinants of Profitability of Islamic Commercial Banks in Indonesia With Third-Party Funds As a Moderating Variable’, Assyarikah : Journal of Islamic Economic Business, 4.1 (2023), 75–90
Rafiqi, Iqbal, Fatati Nuryana, Maftuhatul Faizah, and Achmad Jufri, ‘Investigasi Peran Fee Based Income Terhadap Profitabilitas (ROA) Di Bank Syariah Indonesia (Studi Kasus Pada PT. Bank Syariah Mandiri Periode 2005-2014)’, Masyrif: Jurnal Ekonomi, Bisnis Dan Manajemen, 1.2 (2020), 123–44
Raharti, Rini, and Susanti Susanti, ‘Model Rasio Keuangan Pada Bank BCA Syariah’, IQTISHADIA Jurnal Ekonomi & Perbankan Syariah, 7.2 (2020), 156–69
Rahayu, Putri Ayu, and Bustamam Bustamam, ‘Pengaruh Return On Asset,Bopo Dan Suku Bunga Terhadap Tingkat Bagi Hasil Deposito Mudharabah Bank Umum Syariah’, Jurnal Ilmiah Mahasiswa Ekonomi Akuntansi (JIMEKA), 1.1 (2016), 143–49
Raya Argantara, Mujibno, Eko Priyojadmiko, Zaid, ‘Pengaruh Karakteristik Bank Terhadap Profitabilitas Perbankan Syariah Melalui Good Corporate Governance (Gcg) Sebagai Variabel Moderasi’, LENTERA, 20.2 (2021), 276–88
Rivandi, Muhammad, and Tania Gusmariza, ‘Pengaruh Financing to Deposit Ratio, Capital Adequacy Ratio Dan Non Performing Financing Terhadap Profitabilitas Pada Bank Umum Syariah’, Owner, 5.2 (2021), 473–82
Safitri, Vita Intan, and Ai Hendrani, ‘Pengaruh Capital Adequacy Ratio (Car), Non Performing Financing (Npf), Financing To Deposit Ratio (Fdr), Dan Efisiensi Operasional (Bopo) Terhadap Profitabilitas (Roa) Perbankan’, E-Proceeding of Management, 1.1 (2020), 268–75
Sandi Mulyadi, Muhammad Ghafur Wibowo, Iqbal Rafiqi, Achmad Jufri, ‘Determinan Penanaman Modal Asing Di Indonesia Periode 1970-2020: Pendekatan NARDL’, Jurnal Dinamika Ekonomi Pembangunan, 4.3 (2021), 232–44
Syakhrun, Muhammad, Asbi Amin, and Anwar, ‘Bongaya Journal of Research in Management’, Bongaya Journal of Research in Management, 2.1 (2022), 27
Waruwu, Marinu, ‘Pendekatan Penelitian Pendidikan: Metode Penelitian Kualitatif, Metode Penelitian Kuantitatif Dan Metode Penelitian Kombinasi (Mixed Method)’, Jurnal Pendidikan Tambusai, 7.1 (2023), 2896–2910
DOI: 10.28944/masyrif.v5i1.1370
Refbacks
- There are currently no refbacks.
![Creative Commons License](http://i.creativecommons.org/l/by-nc-nd/4.0/88x31.png)
This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.