The Influence of CAR, FDR, NPF, and Profit Sharing Ratio on BCA Syariah's Financial Performance for the 2016-2022 Periods

Authors

  • Dina Christiana UIN Raden Mas Said Surakarta, Indonesia
  • Rizky Nur Ayuningtyas Putri UIN Raden Mas Said Surakarta, Indonesia

DOI:

https://doi.org/10.22515/juebir.v2i2.7968

Keywords:

capital adequacy ratio, CAR, FDR, financing to deposit ratio, non performing finance, ROA, Financial performance

Abstract

The rapid development of the banking world at this time is one of the
factors that makes daily financial transactions easier. One way to see
how well PT is performing. BCA Syariah Bank is based on its financial
reports, as the object to be studied, researchers will analyze BCA
Syariah's quarterly financial reports obtained from the official OJK
website. Financial performance can be seen from the size of ROA,
while the size of ROA itself can be influenced by CAR, FDR, NPF and
Profit Sharing Ratio. Therefore, the aim of this research is to
determine the partial and simultaneous influence of CAR, FDR, NPF
and Profit Sharing ratio on BCA Syariah's ROA for the 2016-2022
period. The samples in the research were all quarterly financial
reports for the 2016-2022 period with a total of 28 samples and the
sampling technique was purposive sampling. The analytical method
used is multiple linear regression analysis with the help of the Eviews
10 program. The research results show that partially (1) CAR has a
significant negatif effect on ROA, (2) FDR, NPF and Profit Sharing
Ratio do not have a significant effect on ROA. Meanwhile, CAR, FDR,
NPF and Profit Sharing Ratio simultaneously influence BCA Syariah's
ROA for the 2016-2022 period.

Downloads

Download data is not yet available.

References

Abdullah, A. (2020). Measuring Islamic Bank’s Performance Using CAMELS And RGEC Method

Based On Indonesian Financial Services Authority Circular. Journal of Business Management

Review, 1(4), 248–258. https://doi.org/10.47153/jbmr14.442020

Aminin, H., Hasyim, F., Muharrami, R. S., Islam, U., Raden, N., Said, M., Rate, E., & Rate, E. (2023).

ANALISIS FAKTOR-FAKTOR YANG BERPOTENSI PADA PERKEMBANGAN MARKET SHARE

PERBANKAN SYARIAH DI INDONESIA. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan

Perbankan Syariah, 8(30), 257–275.

Anisa Nusa Putri, F., & Musthofa, M. W. (2023). The Effect of NPF, FDR, Bank Size and Covid-19 on

MSME Financing of Indonesian Sharia Commercial Banks for the 2018-2021 Period. Al

Iqtishod: Jurnal Pemikiran Dan Penelitian Ekonomi Islam, 11(2), 73–91.

https://doi.org/10.37812/aliqtishod.v11i2.885

Arseto, D. D., Arfah, Y., & Siregar, S. (2022). The Effect of Capital Adequacy Rasio (CAR) and

Liquidity on Profitability of Islamic Comercial Banks in Indonesia for The 2015-2019 Period.

International Journal of Multidisciplinary Research and Analysis, 08(01), 909–915.

https://doi.org/10.47191/ijmra/v5-i1-04

Astuti, R. P. (2022). Pengaruh CAR, FDR, NPF, Dan BOPO Terhadap Profitabilitas Perbankan

Syariah. Jurnal Ilmiah Ekonomi Islam, 8(03), 3213–3223.

http://dx.doi.org/10.29040/jiei.v8i3.6100

Hasyim, F. (2021). STATISTIKA TERAPAN UNTUK BISNIS DAN KEUANGAN.

Indrayani, T., & Anwar, S. (2022). Analisis Pengaruh Intellectual Capital, Profit Sharing Ratio,

Zakat Performance Ratio, Islamic Income Ratio Dan Income Diversification Terhadap Return

on Asset. Jurnal Revenue : Jurnal Ilmiah Akuntansi, 2(2), 271–281.

https://doi.org/10.46306/rev.v2i2.70

Iqbal, M., & Anwar, S. (2022). Pengaruh Capital Adequacy Ratio, Non Performing Financing,

Financing To Deposit Ratio, Operational Efficiency Ratio, Dan Profit Sharing Ratio Terhadap

Kinerja Keuangan Bank Umum Syariah. Jurnal Revenue : Jurnal Ilmiah Akuntansi, 2(2), 259–

https://doi.org/10.46306/rev.v2i2.69

Irwin Muslimin, M., Nurwahidin, & Hannase, M. (2023). Determinants of Return On Asset (ROA) at Sharia Commercial Banks 2016 – 2021. Al Iqtishod: Jurnal Pemikiran Dan Penelitian

Ekonomi Islam, 11(2), 1–18. https://doi.org/10.37812/aliqtishod.v11i2.669

Kasmir. (2014). Analisis Laporan Keuangan, 7th ed.

Mahdi, F. M., & Aprilianto, F. (2023). The Impact Of Financing Product Scheme To Islamic Banking

Financial Performance. Jurnal Ilmiah Ekonomi Islam, 9(03), 3356–3363.

PT. BCA Syariah. (2022). BCA Syariah Raih Peringkat idAA+ dari Pefindo. 31(Agustus).

Raharjanti, A. I., & Muharrami, R. S. (2020). The Effect of Good Corporate Governance and

Islamicity Financial Performance Index of Internal Fraud Sharia Banking Period 2014-2017.

Journal of Business Management Review, 1(1), 061–075.

https://doi.org/10.47153/jbmr.v1i1.13

Ramadhan, M. S., Iskandar, R., Suhaety, Y., & Hayat, N. (2022). The Effect of Internal Factors and

Exchange Rate on Sharia Banking Liquidity in Indonesia. Journal of Business and

Management Review, 3(5), 387–399. https://doi.org/10.47153/jbmr35.3572022

Safvrizal, & Alhada Faudilah Habib, M. (2023). PENGARUH CAPITAL ADEQUACY RATIO (CAR),

FINANCING TO DEPOSIT RATIO (FDR), NON PERFORMING FINANCING (NPF), BIAYA

OPERASIONAL DAN PENDAPATAN OPERASIONAL (BOPO) TERHADAP RETURN ON ASSET

(ROA) BCA SYARIAH PERIODE 2013-2022. Jurnal Ekonometrika Manajemen, Akuntansi Dan

Perbankan Syari’ah, 12(1), 222–241.

Sari, A. P., Nur, M. A., & Sukardi, B. (2023). Pengaruh Rasio Keuangan Terhadap Pembiayaan

Bermasalah PT Bank Muamalat Tbk. Jurnal Ilmu Perbankan Dan Keuangan Syariah, 5(1), 67–

https://doi.org/10.24239/jipsya.v5i1.191.67-82

Sihite, A. H. R., & Wirman. (2021). Pengaruh Capital Adequacy Ratio (CAR) Dan Financing To

Deposit Ratio (FDR) Terhadap Profitabilitas Bank Umum Syariah Di Indonesia. Maro; Jurnal

Ekonomi Syariah Dan Binsin, 4(November), 1–8.

Sugiyono. (2017). Metode Penelitian Kuantitatif, Kualitatif dan R&D.

Sumarlin. (2016). ANALISIS PENGARUH INFLASI, CAR, FDR, BOPO, DAN NPF TERHADAP

PROFITABILITAS PERBANKAN SYARAH. ASSETS, 6(2), 296–313.

Syachreza, D., & Gusliana, R. (2020). Analisis Pengaruh CAR , NPF , FDR , Bank Size , BOPO

Terhadap Kinerja Keuangan Bank Umum Syariah Di Indonesia. Jurnal Akuntansi Dan

Manajemen, 17(01), 25–37.

Tho’in, M. (2022). Effect of Financing to Deposit Ratio and Operational Efficiency on Profitability

(ROA) with NPF as Intervening in Islamic Banks. Jurnal Ilmiah Ekonomi Islam, 8(02), 2020–

Downloads

Published

2023-12-31

How to Cite

Dina Christiana, & Putri, R. N. A. (2023). The Influence of CAR, FDR, NPF, and Profit Sharing Ratio on BCA Syariah’s Financial Performance for the 2016-2022 Periods. Journal of Economics and Business Research (JUEBIR), 2(2), 251–261. https://doi.org/10.22515/juebir.v2i2.7968

Citation Check