Pengaruh NPF, FDR dan BOPO Terhadap Profitabilitas Pada BCA Syariah (Periode 2015-2022)

Authors

  • M Muztaba UIN Sultan Maulana Hasanuddin Banten
  • Suryani Suryani Universitas Islam Negeri Sultan Maulana Hasanudin Banten, Indonesia
  • Irmatul Hasanah Universitas Islam Negeri Sultan Maulana Hasanudin Banten, Indonesia

DOI:

https://doi.org/10.30821/se.v10i1.20083

Keywords:

BOPO, FDR, NPF, ROA, ROE

Abstract

This study aims to determine the influence of Non-Perfoming Financing (NPF), Financing to Deposit Ratio (FDR) and Operating Costs of Optional Income (BOPO) on profitability (ROA) and (ROE) in BCA Syariah for the 2015-2022 period. This study uses a quantitative method with secondary data obtained from the official website of BCA Syariah. The sampling method through purposive sampling with research data analysis techniques includes classical assumption test, multiple linear regression test, and hypothesis test, The conclusion of the hypothesis test partially shows that NPF and FDR have no effect on Profitability (ROA), while FDR and BOPO have no effect on Profitability (ROE) in BCA Syariah. Meanwhile, simultaneously Non-Perfoming Financing (NPF), Financing to Deposit Ratio (FDR) and Operating Income Ratio (BOPO) affect the Profitability (ROA) of BCA Syariah. This is different from the ROE results which show that simultaneously Non-Perfoming Financing (NPF), Financing to Deposit Ratio (FDR), and Operating Income Ratio (BOPO) have no effect on the Profitability (ROE) of BCA Syariah

References

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Arfiansyah, M. A., Kurniawan, Y., & Nugroho, C. (2022). Dampak Pembiayaan Terhadap Kinerja Keuangan Bank Umum Syariah Tahun 2016-2020. Lisyabab : Jurnal Studi Islam Dan Sosial, 3(2), 184-196. https://doi.org/10.58326/jurnallisyabab.v3i2.136

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

Daru, R. W., Fasa, M. I., & Suharto, S. (2021). Analisis Kinerja Keuangan Bank Syariah dan Peran Kebijakan Ekonomi Islam pada Masa Pandemi Covid-19. JES (Jurnal Ekonomi Syariah), 6(2), 128. https://doi.org/10.30736/jesa.v6i2.136

Fajriah, Y., & Jumady, E. (2021). Pembiayaan Bagi Hasil Dan Financing To Deposit Ratio (Fdr) Terhadap Profitabilitas Bank Umum Syariah Di Indonesia. Islamic Banking : Jurnal Pemikiran Dan Pengembangan Perbankan Syariah, 6(2), 233-248. https://doi.org/10.36908/isbank.v6i2.200

Gunawan, I., Purnamasari, E. D., & Setiawan, B. (2020). Pengaruh CAR, NPF, FDR, dan BOPO terhadap Profitabilitas (ROA) pada Bank Syariah Bukopin Periode 2012-2018. JASMARK: Jurnal Manajemen Sumber Daya Manusia, Pemasaran Dan Keuangan, 1(1), 19-39.

La Difa, C. G., Setyowati, D. H., & Ruhadi, R. (2022). Pengaruh FDR, NPF, CAR, dan BOPO Terhadap Profitabilitas Bank Umum Syariah di Indonesia. Journal of Applied Islamic Economics and Finance, 2(2), 333-341. https://doi.org/10.35313/jaief.v2i2.2972

Marsekal Maroni, S. C. S. (2020). PENGARUH NPL, LDR DAN BOPO TERHADAP ROE PADA PT.BANK MANDIRI (Persero) Tbk PERIODE TAHUN 2011-2019. 1(1), 67-82.

Moorcy, N. H., Sukimin, S., & Juwari, J. (2020). Pengaruh Fdr, Bopo, Npf, Dan Car Terhadap Roa Pada Pt. Bank Syariah Mandiri Periode 2012-2019. Jurnal GeoEkonomi, 11(1), 74-89. https://doi.org/10.36277/geoekonomi.v11i1.113

Octavia, N. R., & Munaraja, W. (2022). Pengaruh Pembiayaan Bagi Hasil, NPF Dan FDR Terhadap Profitabilitas (ROA). Syi`ar Iqtishadi : Journal of Islamic Economics, Finance and Banking, 6(1), 21. https://doi.org/10.35448/jiec.v6i1.13711

Romdhoni, A. H., & Chateradi, B. C. (2018). PENGARUH CAR, NPF DAN FDR TERHADAP PROFITABILITAS BANK SYARIAH (Studi Kasus Pada Bank BCA Syariah Tahun 2010-2017). Jurnal Ilmiah Edunomika, 2(02), 206-218. https://doi.org/10.29040/jie.v2i02.315

Sari, D. H., Octaviana, W. A., & Apriani, E. S. (2023). Pengaruh Pembiayaan Mudharabah, Musyarakah, dan Murabahah Terhadap Profitabilitas. Jesya, 6(1), 649-660. https://doi.org/10.36778/jesya.v6i1.972

Subekti, W. A. P., & Wardana, G. K. (2022). Pengaruh CAR, Asset Growth, BOPO, DPK, Pembiayaan, NPF dan FDR Terhadap ROA Bank Umum Syariah. INOBIS: Jurnal Inovasi Bisnis Dan Manajemen Indonesia, 5(2), 270-285. https://doi.org/10.31842/jurnalinobis.v5i2.229

Amalia, D., & Diana, N. (2022). Pengaruh BOPO, CAR, dan FDR Terhadap Profitabilitas Bank Bukopin Syariah Periode 2013-2020. Jurnal Ilmiah Ekonomi Islam, 8(1), 1095. https://doi.org/10.29040/jiei.v8i1.4166

Arfiansyah, M. A., Kurniawan, Y., & Nugroho, C. (2022). Dampak Pembiayaan Terhadap Kinerja Keuangan Bank Umum Syariah Tahun 2016-2020. Lisyabab : Jurnal Studi Islam Dan Sosial, 3(2), 184-196. https://doi.org/10.58326/jurnallisyabab.v3i2.136

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

Daru, R. W., Fasa, M. I., & Suharto, S. (2021). Analisis Kinerja Keuangan Bank Syariah dan Peran Kebijakan Ekonomi Islam pada Masa Pandemi Covid-19. JES (Jurnal Ekonomi Syariah), 6(2), 128. https://doi.org/10.30736/jesa.v6i2.136

Fajriah, Y., & Jumady, E. (2021). Pembiayaan Bagi Hasil Dan Financing To Deposit Ratio (Fdr) Terhadap Profitabilitas Bank Umum Syariah Di Indonesia. Islamic Banking : Jurnal Pemikiran Dan Pengembangan Perbankan Syariah, 6(2), 233-248. https://doi.org/10.36908/isbank.v6i2.200

Gunawan, I., Purnamasari, E. D., & Setiawan, B. (2020). Pengaruh CAR, NPF, FDR, dan BOPO terhadap Profitabilitas (ROA) pada Bank Syariah Bukopin Periode 2012-2018. JASMARK: Jurnal Manajemen Sumber Daya Manusia, Pemasaran Dan Keuangan, 1(1), 19-39.

La Difa, C. G., Setyowati, D. H., & Ruhadi, R. (2022). Pengaruh FDR, NPF, CAR, dan BOPO Terhadap Profitabilitas Bank Umum Syariah di Indonesia. Journal of Applied Islamic Economics and Finance, 2(2), 333-341. https://doi.org/10.35313/jaief.v2i2.2972

Marsekal Maroni, S. C. S. (2020). PENGARUH NPL, LDR DAN BOPO TERHADAP ROE PADA PT.BANK MANDIRI (Persero) Tbk PERIODE TAHUN 2011-2019. 1(1), 67-82.

Moorcy, N. H., Sukimin, S., & Juwari, J. (2020). Pengaruh Fdr, Bopo, Npf, Dan Car Terhadap Roa Pada Pt. Bank Syariah Mandiri Periode 2012-2019. Jurnal GeoEkonomi, 11(1), 74-89. https://doi.org/10.36277/geoekonomi.v11i1.113

Octavia, N. R., & Munaraja, W. (2022). Pengaruh Pembiayaan Bagi Hasil, NPF Dan FDR Terhadap Profitabilitas (ROA). Syi`ar Iqtishadi : Journal of Islamic Economics, Finance and Banking, 6(1), 21. https://doi.org/10.35448/jiec.v6i1.13711

Romdhoni, A. H., & Chateradi, B. C. (2018). PENGARUH CAR, NPF DAN FDR TERHADAP PROFITABILITAS BANK SYARIAH (Studi Kasus Pada Bank BCA Syariah Tahun 2010-2017). Jurnal Ilmiah Edunomika, 2(02), 206-218. https://doi.org/10.29040/jie.v2i02.315

Sari, D. H., Octaviana, W. A., & Apriani, E. S. (2023). Pengaruh Pembiayaan Mudharabah, Musyarakah, dan Murabahah Terhadap Profitabilitas. Jesya, 6(1), 649-660. https://doi.org/10.36778/jesya.v6i1.972

Subekti, W. A. P., & Wardana, G. K. (2022). Pengaruh CAR, Asset Growth, BOPO, DPK, Pembiayaan, NPF dan FDR Terhadap ROA Bank Umum Syariah. INOBIS: Jurnal Inovasi Bisnis Dan Manajemen Indonesia, 5(2), 270-285. https://doi.org/10.31842/jurnalinobis.v5i2.229

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Published

2024-06-15

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STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 1 | 2024

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