ANALISIS PENGARUH PROFITABILITAS, LIKUIDITAS, RISIKO KREDIT, UKURAN BANK, DAN EFISIENSI OPERASIONAL TERHADAP RASIO KECUKUPAN MODAL PERBANKAN UMUM SYARIAH DI INDONESIA

Abstract

Capital management is very important in bank activities, because the capital owned by a bank can be used to develop its business. The Capital Adequacy Ratio (CAR) ratio can be used to measure the level of a bank's capital. Profitability is the ability of banks to earn profits or gains. To maintain and increase public trust in banks, the performance of bank management must be considered by looking at the level of profitability of the bank. . When banks are billed, they are able to fulfill these obligations. In the world of banking, liquidity ratios are generally measured by the Financing to Deposit Ratio (FDR) in Islamic public banking. The higher the Financing to Deposit Ratio (FDR), the riskier the bank's liquidity is. The bank bears credit risk if the customer fails to pay debts or credit received on the due date. Credit risk can be measured using Non Performing Financing (NPF) in Islamic general banking. The final factor affecting the capital adequacy ratio is operational efficiency. Banks use their capital to carry out their operational activities. The ratio used to measure whether a bank is efficient or not in carrying out its operational activities is the ratio of operating costs to operating income (BOPO). This research is included in quantitative research because it uses secondary data which is numeric data. In this study the data includes Return on Assets (ROA), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Bank Size, Operational Efficiency (BOPO) as independent variables, and Capital Adequacy Ratio (CAR) as the dependent variable. The results in this study are 1. Profitability which is proxied by Return on Assets (ROA) has a positive and significant effect on the capital adequacy ratio which is proxied by Capital Adequacy Ratio (CAR), liquidity which is proxied by the Financing to Deposit Ratio (FDR) has a positive influence and not significant to the capital adequacy ratio proxied by the Capital Adequacy Ratio (CAR), Credit risk proxied by Non Performing Financing (NPF) has a positive and significant effect on the capital adequacy ratio proxied by the Capital Adequacy Ratio (CAR), the size of the bank proxied by Size has a negative and significant effect on the capital adequacy ratio proxied by Capital Adequacy Ratio (CAR) in Islamic banking in Indonesia, operational efficiency proxied by BOPO has a negative and insignificant effect on the capital adequacy ratio proxied by Capital Adequacy Ratio ( CAR) in Islamic banking in Indonesia.