Pengaruh Capital Adequacy Ratio (CAR), NonPerforming Financing (NPF), Financing To Deposit Ratio (FDR) Dan Biaya Operasional Pendapatan Operasional (BOPO) Terhadap Profitabilitas (Return On Assets) Pada PT. Bank KB Bukopin Syariah Periode 2014-2022

Abstract

Purpose: Testing the effect of (1) CAR on ROA at PT. Bank KB Bukopin Syariah for the period 2014-2022 (2) NPF on ROA at PT. Bank KB Bukopin Syariah for the period 2014-2022 (3) FDR on ROA at PT. Bank KB Bukopin Syariah for the period 2014-2022 (4) BOPO on ROA at PT. Bank KB Bukopin Syariah for the period 2014-2022 (5) CAR, NPF, FDR and BOPO against ROA at PT. Bank KB Bukopin Syariah for the period 2014-2022.Methodology: The type of research used is field research with a quantitative approach. Data collection techniques with indirect observation through documentation methods. The data used is obtained from the financial statements of PT. Bank KB Bukopin Syariah published on its official website with a sample of 36 quarterly data (2014-2022). The data was processed using SPSS 22 through multiple linear regression analysis.Research Findings: Based on the results of the study, it was concluded that CAR and FDR have no effect on ROA of PT. Bank KB Bukopin Syariah for the period 2014-2022, while NPF and BOPO have a significant negative effect on ROA of PT. Bank KB Bukopin Syariah for the period 2014-2022. Novelty: The data used is in the form of secondary data from the quarterly financial statements of PT. Bank KB Bukopin Syariah published on its official website for the last 9 years (2014-2022).    Tujuan Penelitian: Menguji pengaruh (1) CAR terhadap ROA di PT. Bank KB Bukopin Syariah periode 2014-2022 (2) NPF terhadap ROA di PT. Bank KB Bukopin Syariah periode 2014-2022 (3) FDR terhadap ROA di PT. Bank KB Bukopin Syariah periode 2014-2022 (4) BOPO terhadap ROA di PT. Bank KB Bukopin Syariah periode 2014-2022 (5) CAR, NPF, FDR dan BOPO terhadap ROA di PT. Bank KB Bukopin Syariah periode 2014-2022.  Metodologi: Jenis penelitian yang digunakan adalah field research dengan pendekatan kuantitatif. Teknik pengambilan data dengan observasi tidak langsung melalui metode dokumentasi. Data yang digunakan diperoleh dari laporan keuangan PT. Bank KB Bukopin Syariah yang diterbitkan di website resminya dengan sampel sebanyak 36 data triwulan (2014-2022). Data tersebut diolah menggunakan SPSS 22 melalui analisis regresi linier berganda.     Temuan Penelitian: Berdasarkan hasil riset ditarik kesimpulan bahwa CAR dan FDR tidak berpengaruh terhadap ROA PT. Bank KB Bukopin Syariah periode 2014-2022, sedangkan NPF dan BOPO berpengaruh negatif signifikan terhadap ROA PT. Bank KB Bukopin Syariah periode 2014-2022.Kebaruan: Data yang digunakan berupa data sekunder dari laporan keuangan triwulan PT. Bank KB Bukopin Syariah yang diterbitkan di website resminya selama 9 tahun terakhir (2014-2022).