PENGARUH FDR, NPF, BOPO DAN CAR TERHADAP KINERJA BANK UMUM SYARIAH DI INDONESIA

SULASTRI, SULASTRI and Ichsan Hamidi, Ichsan (2015) PENGARUH FDR, NPF, BOPO DAN CAR TERHADAP KINERJA BANK UMUM SYARIAH DI INDONESIA. Undergraduate thesis, Sriwijaya University.

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh rasio-rasio keuangan yang terdiri dari Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Biaya Operasional terhadap Pendapatan Operasional (BOPO), dan Capital Adequacy Ratio (CAR) terhadap kinerja keuangan Bank Umum Syariah di Indonesia, yang diukur dengan Return on Assets (ROA). Metode penelitian yang digunakan adalah kuantitatif dengan pendekatan data panel terhadap 12 bank umum syariah selama periode 2014–2024. Data diperoleh dari laporan keuangan tahunan dan publikasi resmi Otoritas Jasa Keuangan (OJK). Hasil penelitian menunjukkan bahwa secara simultan, keempat variabel independen memiliki pengaruh signifikan terhadap ROA. Secara parsial, FDR dan CAR berpengaruh positif terhadap ROA, sedangkan NPF dan BOPO berpengaruh negatif signifikan. Temuan ini mengindikasikan bahwa efektivitas intermediasi, manajemen risiko kredit, efisiensi operasional, serta kecukupan modal merupakan faktor penting dalam meningkatkan kinerja profitabilitas bank syariah. Implikasi dari penelitian ini memberikan rekomendasi kepada manajemen bank dan regulator untuk fokus pada penguatan efisiensi, pengelolaan risiko pembiayaan, serta optimalisasi struktur permodalan guna meningkatkan daya saing bank syariah di tengah dinamika ekonomi nasional.

Item Type: Thesis (Undergraduate)
Uncontrolled Keywords: FDR, NPF, BOPO, CAR, ROA, Bank Umum Syariah
Subjects: A General Works > AC Collections. Series. Collected works
Z Bibliography. Library Science. Information Resources > Z1001 Introduction to bibliography. Theory, philosophy, psychology. Bibliography. Documentation
Divisions: 01-Faculty of Economics > 60201-Development Economics (S1)
Depositing User: Sulastri Sulastri
Date Deposited: 31 Jul 2025 04:12
Last Modified: 31 Jul 2025 04:13
URI: http://repository.unsri.ac.id/id/eprint/181709

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