ANALISIS PENGARUH RASIO RESIKO PEMBIAYAAN (NPF), LIQUIDITY (FDR), DAN KEMAMPUAN MODAL (CAR) TERHADAP PROFITABILITY DI SEKTOR PERBANKAN UMUM SYARIAH TAHUN 2020-2023

Abstract

This study presents the author's viewpoint on various factors in decision-making concerning the profitability of Islamic commercial banks, which attract investors by considering several influential factors. Observing the significant growth in Islamic banking, the researcher aims to understand the elements affecting the profitability of Islamic banks. This study seeks to ascertain the impact of Financing Risk (NPF), Liquidity (FDR), and Capital Capabilities (CAR) on Profitability (ROA) in the Islamic Banking Sector for the years 2020-2023. In this research, the independent variables are Financing Risk (NPF), Liquidity (FDR), and Capital Capabilities (CAR), while the dependent variable is Profitability. The empirical results, using Eviews 12 and multiple regression analysis, encompass 10 Islamic commercial banks that meet the sampling criteria. The findings indicate that Financing Risk significantly influences profitability, whereas Liquidity (FDR) and Capital Capabilities (CAR) do not affect the company's profitability.