Pengaruh Kecukupan Modal, Pembiayaan Bermasalah, Efisiensi Operasional, dan Likuiditas Terhadap Profitabilitas pada Bank Umum Syariah

Refi Meulani, Meta Arief, Badria Muntashofi

Abstract


This study aims to verify the effect of capital adequacy, problem financing, operational efficiency, and liquidity on profitability in Islamic commercial banks. Capital adequacy in this study is measured using the Capital Adequacy Ratio (CAR), problem financing is measured using Non Perfoming Financing (NPF), operational efficiency is measured using operating expenses and operating income (BOPO), liquidity is measured using Finance to Deposite. While profitability is measured using Return of Assets (ROA). The research method used is descriptive and verification method. The sample in this study amounted to 55 observation data from 11 Islamic commercial banks in Indonesia from 2016-2020. The data collection method used is documentation technique. The data processing technique was carried out by multiple linear regression analysis of panel data with time lag using Eviews 9 software. For the classic assumption test, two tests were carried out, because there was a value that was close to perfect in the multicollinearity test and made the operational efficiency variable (BOPO) eliminated in the second test. Based on the results of testing the meaning of regression (F test) shows that the regression model is used to draw conclusions. While the results of the t test show that capital adequacy affects profitability, non-performing financing has no effect on profitability, and liquidity has no effect on profitability

Keywords


capital adequacy, non-performing financing, operational efficiency, liquidity, profitability

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References


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