SKRIPSI PBS
PENGARUH FINANCING TO DEPOSIT RATIO (FDR), CAPITAL ADEQUANCY RATIO (CAR), DAN NON PERFORMING FINANCING (NPF) TERHADAP RETURN ON ASSETS (ROA) BANK UMUM SYARIAH PERIODE 2019 – 2021
ABSTRACT
This study aims to determine the effect of Financing to Deposit Ratio,
Capital Adequacy Ratio, and Non Performing Financing on Return On Asset of
Islamic Commercial Banks in Indonesia for the 2019-2021 period. This research
was quantitative by using secondary data. The sample in this study is a quarterly
financial report with 5 Islamic Commercial Banks in Indonesia registered by the
Otoritas Jasa Keuangan (OJK) with a purposive sampling technique. The data
analysis used in this research is panel data regression analysis with the help of the
Eviews 10 program.
The results of this study indicate that the variables FDR, CAR, and NPF
simultaneously affect ROA. While partially that FDR and NPF variables have a
significant effect on ROA, but the CAR variable has no effect on ROA, this is
indicated by the sig coefficient of 0.616 greater than 0.05.
Keywords: Financing to Deposit Ratio, Capital Adequacy Ratio, Non Performing
Financing, Return On Asset
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