Analysis of Bank Financial Performance with Financial Ratio:  Analysis of CAR, NPF, BOPO, FDR and ROA in Indonesian Sharia Commercial Banks for the Period 2018-2022

Nur Samsi; Hepy Octalia Elfa Kolina; Agus Sukoco

doi:10.29138/ijebd.v8i2.3266

Nur Samsi Sekolah Tinggi Ilmu Ekonomi NU Trate Gresik
Hepy Octalia Elfa Kolina Universitas Narotama, Surabaya, Indonesia
Agus Sukoco Universitas Narotama, Surabaya, Indonesia

DOI: https://doi.org/10.29138/ijebd.v8i2.3266

Keywords: Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Biaya Operasional Pendapatan Operasional (BOPO), Financing to Deposit Ratio (FDR), Profitabilitas, ROA, Bank Umum Syariah

Abstract

Purpose: Analyze the Influence of CAR, NPF, BOPO and FDR on the Profitability (ROA) of Indonesian Sharia Commercial Banks registered with the Financial Services Authority (OJK) during the 2018-2022 period.

Design/methodology/approach: This study uses a quantitative approach and uses secondary data with a sample of 65 data obtained from 13 Sharia Commercial Banks with a time series of 2018-2022.

Findings: CAR partially had a positive and significant effect on ROA, NPF partially had a positive and insignificant effect on ROA, BOPO partially had a negative and significant effect on ROA, FDR partially had a positive and insignificant effect on ROA, and CAR, NPF, BOPO, and FDR simultaneously had a positive and significant effect on ROA in Sharia Commercial Banks in Indonesia for the period 2018-2022.

Paper type: Research paper

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