Pengaruh BOPO, CAR, dan FDR Terhadap Profitabilitas Bank Bukopin Syariah Periode 2013-2020

Authors

  • Dina Amalia Universitas Singaperbangsa Karawang, Indonesia
  • Nana Diana Universitas Singaperbangsa Karawang, Indonesia

DOI:

https://doi.org/10.29040/jiei.v8i1.4166

Abstract

This research was conducted to determine the effect of Operating Costs on Operating Income (BOPO), Capital Adequacy Ratio (CAR) and Financing to Deposit Ratio (FDR) on profitability as measured by Return On Assets (ROA) as research variables. The sample in this study is the quarterly financial statements of Bukopin Syariah for the period 2013-2020. The sample method used was purposive sampling method in order to obtain 32 samples. The method used in this study uses a descriptive method with a quantitative approach. The results of this study state that partially the variable Operating Costs to Operating Income (BOPO) has a significant negative effect on the profitability of Bukopin Syariah, the variables of Capital Adequacy Ratio (CAR) and Financing to Deposit Ratio (FDR) partially have no significant effect on the profitability of Bukopin Syariah. Simultaneously, the variables of Operational Cost to Operating Income (BOPO), Capital Adequacy Ratio (CAR) and Financing to Deposit Ratio (FDR) have a significant effect on the profitability of Bukopin Syariah

References

Anam, M. K., & Khairunnisah, I. F. (2019). Pengaruh Pembiayaan Bagi Hasil Dan Financing To Deposit Ratio (Fdr) Terhadap Profitabilitas (Roa) Bank Syariah Mandiri. Zhafir | Journal of Islamic Economics, Finance, and Banking, 1(2), 99–118. https://doi.org/10.51275/zhafir.v1i2.152

Ariawati, R. N., & Evita, S. N. (2018). Metode Kuantitatif Praktis. Bandung: PT. Bima Pratama Sejahtera.

Ghozali, I. (2018). Aplikasi Analisis Multivariate dengan program IBM SPSS 25. Semarang: Universitas Diponegoro.

Gunawan, I., Purnamasari, E. D., & Setiawan, B. (2020). Pengaruh CAR , NPF , FDR , dan BOPO terhadap Profitabilitas ( ROA ) pada. 01, 19–36.

Hakiim, N., & Rafsanjani, H. (2016). Pengaruh Internal Capital Adequency Ratio (Car), Financing To Deposit Ratio (Fdr), Dan Biaya Operasional Per Pendapatan Operasional (Bopo) Dalam Peningkatan Profitabilitas Industri Bank Syariah Di Indonesia. Mega Aktiva: Jurnal Ekonomi Dan Manajemen, 7(1), 1. https://doi.org/10.32833/majem.v7i1.55

Harianto, S. (2017). Rasio Keuagan dan Pengaruhnya Terhadap Profitabilitas Pada Bank Pembiayaan Rakyat Syariah di Indoneia. Jurnal Bisnis Dan Manajemen, 7(April), 41–48. https://doi.org/10.15408/ess.v7i1.4076

Hartini, T. (2016). Pengaruh Biaya Operasional Dan Pendapatan Operasional (Bopo) Terhadap Profitabilitas Bank Syariah Di Indonesia. I-Finance, 2(1), 20–34. https://doi.org/10.19109/ifinance.v2i1.1007

Hery. (2016). Financial Ratio For Business. Jakarta: PT Grasindo.

Ikit. (2018). Manajemen Dana Bank Syariah (Cetakan l). Yogyakarta: Gava Media.

Kasmir, K. (2020). Analisis Laporan Keuangan. Jakarta: PT Raja Grafindo Persada.

Listyorini. (2021). Era Baru Pembiayaan Syariah di Indonesia. https://Investor.Id/Investor/241360/Era-Baru-Pembiayaan-Syariah-Di-Indonesia

Mahmudah, N., & Harjanti, R. S. (2016). Analisis Capital Adequacy Ratio, Financing to Deposit Ratio, Non Performing Financing, dan Dana Pihak Ketiga terhadap Tingkat Profitabilitas Bank Umum Syariah Periode 2011-2013. Seminar Nasional Iptek Terapan, 1(1), 134–143.

Munir, M. (2019). Analisis Pengaruh CAR, NPF, FDR dan Inflasi terhadap Profitabilitas Perbankan Syariah di Indonesia. Ihtifaz: Journal of Islamic Economics, Finance, and Banking, 1(2), 89–98. http://journal2.uad.ac.id/index.php/ijiefb/article/view/285/266

Simatupang, A., & Franzlay, D. (2016). Capital Adequacy Ratio ( CAR ), Non Performing Financing ( NPF ), Efisiensi Operasional ( BOPO ) dan Financing to Deposit Ratio ( FDR ) Terhadap Profitabilitas Bank Umum Syariah di Indonesia. 4(2), 466–485.

Syakhrun, M., Amin, A., & Anwar. (2019). Pengaruh CAR, BOPO, NPF Dan FDR Terhadap Profitabilitas Pada Bank Umum Syariah Di Indonesia. 2, 1–10.

Wulandari, R., & Shofawati, A. (2017). Analisis Pengaruh CAR, FDR, NPF, dan Pertumbuhan DPK Terhadap Profitabilitas Pada Industri Bank Pembiayaan Rakyat Syariah di Indonesia Tahun 2011-2015. Jurnal Ekonomi Syariah Teori Dan Terapan, 4(9), 741. https://doi.org/10.20473/vol4iss20179pp741-756

Yusmad, M. A. (2018). Aspek Hukum Perbankan Syariah Dari Teori Ke Praktek. Yogyakarta: Deepublish.

Downloads

Published

11-04-2022

How to Cite

Amalia, D., & Diana, N. (2022). Pengaruh BOPO, CAR, dan FDR Terhadap Profitabilitas Bank Bukopin Syariah Periode 2013-2020. Jurnal Ilmiah Ekonomi Islam, 8(1), 1095–1102. https://doi.org/10.29040/jiei.v8i1.4166

Issue

Vol. 8 No. 1 (2022): JIEI : Vol. 8, No. 1, 2022

Section

Articles

Citation Check

License

The copyright of the article fully belongs to the Jurnal Ilmiah Ekonomi Islam and publishing rights belong entirely to LPPM STIE AAS Surakarta

 Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.