Pengaruh CAR, FDR, BOPO, dan NPF Terhadap Profitabilitas ROA

(Studi Pada PT. Bank Muamalat Indonesia Periode 2009 - 2021)

Abstract

This research is based on the increasing level of profitability (ROA) at Bank Muamalat Indonesia and the differences in the results of each of the ratios used in previous researchers. This study aims to examine the effect of the ratio of the Effect of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operating Costs of Operating Income (BOPO), and Non-Performing Financing (NPF) on Profitability (ROA) at Bank Muamalat Indonesia for the period 2009-2021. The research method used is a quantitative method. For the method of analysis using multiple linear regression analysis. Meanwhile, for data processing using the Eviews 12 program. The variables in this study used two variables, namely the dependent variable and the independent variable. The dependent variable (Y) of this study is profitability (ROA), while the independent variable (X) of this study is the ratio of CAR, FDR, BOPO, NPF. The results of this study indicate that the CAR and BOPO ratios have a significant negativeOF profitabilityr Return on Assets (ROA) effect, while FDR and NPF have an insignificant positive effect on profitability (ROA)